Tax, Salary & Business
HRA Calculator
HRA: HRA Calculator takes the least of actual HRA received, rent − 10% of salary, and 40/50% of salary as the exempt amount. Worked through below with real figures, and the calculator repeats the working on your own inputs — free, on-device, instant.
From your basic salary, HRA received, annual rent paid and city type, HRA Calculator computes the exempt and taxable HRA via the least of HRA received, rent − 10% of salary, and 40/50% of salary. No accounts, no uploads — just an instant way to work out your HRA exemption.
Estimate only — not tax advice. Your HRA exemption depends on the actual rent paid, your basic salary and the city (metro or non-metro), under rules that change by year.
About this calculator
It matters whenever pay, prices or filings depend on getting the arithmetic right before the paperwork does. The governing relationship: HRA Calculator takes the least of actual HRA received, rent − 10% of salary, and 40/50% of salary as the exempt amount. See it on real numbers: Exempt HRA is the least of: actual HRA, rent − 10% of salary, and (50%/40%) of salary. On ₹40,000 salary, ₹20,000 HRA and ₹18,000 rent in a metro, rent−10% = 18,000−4,000 = ₹14,000 is usually the binding figure. The calculator above applies the same steps to whatever you enter — computed locally, nothing sent anywhere.
How to use
- Enter your annual basic salary.
- Enter the annual HRA you receive and the annual rent you pay.
- Select whether you live in a metro or non-metro city.
- Tap Calculate to see the exempt and taxable HRA.
Why use the HRA Calculator
Instant
Every figure is computed on your device the moment you tap Calculate.
Private
Your numbers stay in your browser; nothing is sent to a server or saved.
Free
No signup, no paywall, and no ads placed inside your results.
Works offline
Once the page has loaded it keeps working even on a weak connection.
Mobile-first
Laid out for phones and tablets just as much as for desktops.
Honest estimates
Uses simplified, standard formulas for educational estimates; real-world figures vary with local rules, fees, and current rates.
Common uses
Use it when comparing CTC components
Use it when reviewing Form 16
Use it for salaried tax planning
Use it when deciding how much rent to declare
Use it when comparing metro and non-metro limits
Use it for structuring salary tax-efficiently
Technical notes
HRA Calculator takes the least of actual HRA received, rent − 10% of salary, and 40/50% of salary as the exempt amount.
Exemptions and statutory amounts depend on your exact salary structure and current rules, so confirm with your employer or a tax professional.
Because it runs locally, results appear instantly with no server round-trip.
Worked example
Exempt HRA is the least of: actual HRA, rent − 10% of salary, and (50%/40%) of salary. On ₹40,000 salary, ₹20,000 HRA and ₹18,000 rent in a metro, rent−10% = 18,000−4,000 = ₹14,000 is usually the binding figure.
FAQ
How does this HRA calculator find the exemption?
It takes the least of three figures: HRA received, 50 percent of basic in a metro or 40 percent in a non-metro, and rent paid minus 10 percent of basic.
Does the HRA Calculator send my data to a server?
No. The HRA Calculator runs entirely in your browser with JavaScript; the values you enter never leave your device and nothing is uploaded or saved.
Why does the metro choice matter?
Metro cities allow up to 50 percent of basic in the calculation, while non-metro cities allow 40 percent, so the cap on the exemption changes.
Does HRA exemption apply in the new regime?
The HRA exemption is an old-regime benefit. If you opt for the new regime it generally does not apply, so use this for old-regime planning.