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HRA Exemption Calculator
Find out exactly how much of your House Rent Allowance is tax-free — the least-of-three rule under Section 10(13A), computed instantly.
Annual figures (per year)
If part of retirement benefits
HRA exemption = least of the three
Exempt HRA (tax-free)
₹1,92,000
Taxable HRA
₹48,000
HRA exemption is available in the old tax regime only. Rent above ₹1L/year needs landlord's PAN; rent to parents is allowed with genuine payment trail.
How HRA exemption works
The tax-free portion of HRA is the least of: (1) actual HRA received, (2) rent paid minus 10% of basic salary + DA, and (3) 50% of basic + DA in metro cities (40% non-metro). The balance HRA is taxable.
Keep rent receipts; share your landlord's PAN if annual rent exceeds ₹1 lakh. Paying rent to parents is legal with a genuine bank trail — they declare it as income. Note: HRA exemption applies in the old regime only.
Claim every rupee of HRA correctly in your ITR
Expert-filed returns with full HRA, 80C and regime optimisation — from ₹1,999.
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