HRA Exemption Calculator
How much of your HRA is tax-free? (old regime)
₹1,00,000₹50,00,000
₹0₹25,00,000
₹0₹25,00,000
HRA exempt from tax
₹2,40,000
HRA received₹2,40,000
Exempt portion₹2,40,000
Taxable portion₹0
Exempt100%
Taxable0%
HRA exemption applies only under the old tax regime. Exemption = least of: actual HRA, rent minus 10% of basic, and 50% (metro) / 40% (non-metro) of basic salary.
The three-way HRA test
Your exempt HRA is the least of: (1) HRA actually received, (2) rent paid minus 10% of basic salary, and (3) 50% of basic in a metro or 40% elsewhere. Delhi, Mumbai, Kolkata and Chennai count as metros for this rule.
Frequently asked questions
Can I claim HRA while paying rent to my parents?
Yes, if the arrangement is genuine — pay by bank transfer, have a rent agreement, and your parent must declare the rent as income. Expect scrutiny for large amounts.
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