About this tool
The HRA Exemption Calculator determines how much of your House Rent Allowance is tax-free under Section 10(13A)[1] of the Income Tax Act. HRA exemption is one of the biggest deductions available in the Old Regime - often worth ₹50,000 to ₹3,00,000+ per year.
HRA exemption is the minimum of three values, and you only get it if you actually pay rent. It's available only in the Old tax regime (not New).
How it works
- Enter your annual Basic Salary + DA.
- Enter your annual HRA received from your employer.
- Enter annual rent paid.
- Pick city type - Metro = Mumbai/Delhi/Kolkata/Chennai (50%); everywhere else = Non-metro (40%).
Formula
HRA Exemption = MIN of:
1. Actual HRA received
2. 50% of (Basic + DA) for metro / 40% for non-metro
3. Rent paid - 10% of (Basic + DA)
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How to use the HRA Exemption Calculator
The HRA Exemption Calculator is a browser-based tool that runs entirely on your device. Inputs you enter never reach a server - all calculations happen client-side in JavaScript. This means:
- Privacy: nothing is logged, sent, or stored by 3Tej. Inputs disappear when you close the tab.
- Speed: results update as you type. No network round trip.
- Offline use: once the page is cached, it works without internet.
- No signup: no account, no email, no rate limits.
Step by step
- Enter your inputs in the form above. Each field is labeled with its unit (currency, percent, kg, etc.) and the expected range.
- Read the result as it updates. The number reflects the formula commonly accepted in HRA Exemption-related calculations.
- Adjust to see sensitivity: change one input at a time and watch how the output moves. This is the fastest way to understand which variable matters most.
- Copy or screenshot the result for later reference. The page state persists for the session if your browser allows it.
When you would use this
- Quick estimates: when you need a number now and don't want to open a spreadsheet.
- Sensitivity analysis: testing how a result changes as inputs vary, before committing to a real-world decision.
- Comparison: running the same calculation with different inputs to compare options side by side.
- Learning: building intuition for how the underlying math behaves.
- Documentation: capturing a snapshot of inputs and outputs at a point in time.
Frequently asked questions
Which cities are metro for HRA?
Only four: Mumbai, Delhi, Kolkata, and Chennai. Bengaluru, Hyderabad, Pune, Ahmedabad, Gurgaon - despite being major hubs - are non-metro for HRA purposes.
Can I claim HRA if I pay rent to my parents?
Yes, if you actually pay rent and your parent declares it as rental income. You'll need a rent receipt and ideally a rent agreement. The parent must be the property owner.
Do I need rent receipts to claim HRA?
Yes. Employers require rent receipts for the year. If annual rent exceeds ₹1,00,000, you also need the landlord's PAN. Without receipts, exemption can be denied.
Can I claim both HRA and home loan deduction?
Yes, in specific cases - e.g., you own a house in one city but live in rented accommodation in another for work, or your owned house is genuinely let out. Both can be claimed simultaneously with proper documentation.
Is the HRA Exemption Calculator accurate?
The HRA Exemption Calculator applies the standard formula for hra exemption. Accuracy is limited only by your input precision. For decisions with material consequences, use the result as a starting point and verify with a qualified professional or the relevant official source.
Is the HRA Exemption Calculator free?
Yes. 100% free, no signup, no payment, no API key. The site is funded by display ads that appear around the tool but not inside the calculation flow.
Are my inputs saved?
No. Inputs stay in your browser tab. Closing the tab discards them. The site uses Google Analytics for traffic measurement (anonymized) but does not see what you type into the form.
Can I use the HRA Exemption Calculator on my phone?
Yes. The tool is responsive and tested on iOS Safari, Android Chrome, and major desktop browsers. Touch targets meet Apple's 44pt and Google's 48dp minimum guidance.
How do I report a bug or suggest improvement to the HRA Exemption Calculator?
Email hi@3tej.com with the URL of this page and a description of what you saw vs expected. We typically respond within 72 hours and update calculators when rules or formulas change.
How accurate is the HRA Exemption Calculator?
It applies the standard formula. Accuracy is limited only by your input precision. For decisions with material consequences (taxes, medical, legal, structural), use the result as a starting point and verify with a qualified professional in the relevant field.
Is the HRA Exemption Calculator free to use?
Yes. 100% free, no signup, no payment, no API key. The site is funded by display ads around the tool but not inside the calculation flow.
Are my inputs saved anywhere?
No. All inputs stay in your browser tab. Closing the tab discards them. The site uses Google Analytics for traffic measurement (anonymized) but the analytics never see what you type into the form.
Does the HRA Exemption Calculator work offline?
Yes. Once the page has loaded, it works without internet. The calculation runs in JavaScript on your device.
Can I share results from the HRA Exemption Calculator?
Take a screenshot or copy the output. The page doesn't generate shareable URLs for specific calculations - inputs stay in your browser only.
Why are the results different from another hra exemption tool?
Most likely: different formula assumptions, different default values, different rounding rules, or different applicable rates. Check the methodology if both tools document it. Both can be valid for different scenarios.