HRA Calculator

Calculate your House Rent Allowance (HRA) exemption to understand your taxable income.

HRA Details

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₹
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₹

Exempted HRA

₹ 0

Taxable HRA

₹ 0

Actual HRA Received

₹ 0

HRA Exemption Breakdown

Criterion Amount
Actual HRA Received (Monthly) ₹ 0
Rent Paid Annually minus 10% of (Basic + DA + Commission) ₹ 0
50% (Metro) / 40% (Non-Metro) of (Basic + DA + Commission) ₹ 0

HRA Calculator

HRA Calculator online.

HRA Calculator – Free House Rent Allowance Calculator Online The HRA Calculator is a free online tool that helps you calculate your House Rent Allowance (HRA) exemption as per the Income Tax Act, 1961. If you are a salaried employee receiving an HRA component in your salary, this calculator helps you find out how much of your HRA is exempted from tax and how much is taxable. The House Rent Allowance (HRA) is a part of your salary paid by your employer to cover your rent expenses. The Income Tax Department allows a partial tax exemption on HRA under Section 10(13A), depending on your salary, rent paid, city of residence, and basic pay. The HRA Calculator Online instantly shows you the tax-free portion of your HRA and the taxable amount, helping you with accurate tax planning and salary management. 🧮 What is HRA (House Rent Allowance)? HRA is the allowance provided by employers to employees to help them meet rent expenses if they live in a rented house. It’s a key part of your Cost to Company (CTC) and can help you save a significant amount in taxes. If you are paying rent and living in a rented home, you can claim HRA exemption under Section 10(13A). However, if you live in your own house, the full HRA becomes taxable. 💡 Why Use an HRA Calculator? The HRA Calculator Free Online helps you: Instantly know your tax-exempt HRA amount Plan your salary structure efficiently Reduce taxable income legally Avoid manual calculation errors Make informed financial and housing decisions With this calculator, you can easily estimate your HRA tax exemption and understand how your rent paid and city of residence (metro/non-metro) affect your final tax savings. ⚙️ How Does the HRA Calculator Work? The HRA exemption is calculated as the minimum of the following three values: Actual HRA received from the employer 50% of basic salary (if living in a metro city: Delhi, Mumbai, Kolkata, or Chennai) OR 40% of basic salary (if living in a non-metro city) Rent paid – 10% of basic salary Whichever of the above three is the lowest, that amount is exempt from income tax. The remaining portion of HRA is taxable. 🧾 HRA Calculator Example Let’s say your monthly salary structure is: Basic Salary: ₹40,000 HRA Received: ₹20,000 Rent Paid: ₹15,000 City: Non-Metro (e.g., Bhopal) Now, as per the HRA formula: 1️⃣ Actual HRA received = ₹20,000 2️⃣ 40% of Basic Salary = ₹16,000 3️⃣ Rent paid – 10% of Basic Salary = ₹15,000 – ₹4,000 = ₹11,000 ✅ HRA Exemption = Minimum of (1, 2, 3) = Minimum of ₹20,000, ₹16,000, ₹11,000 = ₹11,000 (Tax-Free HRA) So, ₹11,000 per month (or ₹1,32,000 per year) is exempt from tax. The remaining ₹9,000 per month (₹1,08,000 per year) is taxable. 🏙️ Metro vs Non-Metro HRA Difference The HRA exemption depends on where you live: City Type HRA Exemption Limit Metro Cities (Delhi, Mumbai, Kolkata, Chennai) 50% of Basic Salary Non-Metro Cities 40% of Basic Salary If you move from a non-metro to a metro city, your HRA exemption increases automatically. 🧩 How to Use Narbariya.com’s Free HRA Calculator Our HRA Calculator Online is easy to use and works instantly. Here’s how to use it: Enter your Basic Salary (per month or per year) Enter HRA Received from your employer Enter the Rent you pay Select your City (Metro/Non-Metro) Click on “Calculate” The calculator will instantly display: HRA Exempted Amount Taxable HRA Amount Total Taxable Income Impact You can recalculate anytime with different rent values or salary changes to see how your tax exemption varies. 🧮 HRA Calculator Formula The formula used in the HRA Calculator is: HRA Exemption = Minimum of the following: Actual HRA Received 50% (or 40%) of Basic Salary Rent Paid – 10% of Basic Salary 🧍‍♂️ Who Can Claim HRA Tax Exemption? You can claim HRA exemption only if: You are a salaried employee receiving HRA as part of your salary. You live in a rented house and pay rent. You can provide rent receipts or rental agreement as proof. If you pay rent to your parents, you can still claim HRA — but your parents must show that rent as income from house property in their tax return. If your annual rent exceeds ₹1 lakh, you need to provide the landlord’s PAN number to your employer or while filing your tax return. ⚠️ Common Mistakes to Avoid in HRA Calculation Claiming HRA while living in your own house (not allowed). Not keeping rent receipts or valid proof. Entering incorrect basic salary or rent amount. Not updating your employer if rent or city changes mid-year. Our HRA Calculator Free Online eliminates these errors by giving you accurate real-time results. 💰 HRA and Tax Planning Tips Increase your rent amount strategically (if genuine) to maximize exemption. Shift to a metro city (if applicable) to get 50% salary benefit. Keep all rent receipts safely for IT verification. Combine HRA exemption with Section 80C and 80D deductions to minimize tax. 📱 Why Use Narbariya.com’s HRA Calculator Online ✅ 100% Free and Instant ✅ No login or personal data needed ✅ Accurate as per latest Income Tax rules ✅ Metro & Non-Metro differentiation ✅ Works on mobile, tablet, and desktop ✅ Tax calculation simplified for everyone The HRA Calculator is designed for both employees and employers, making it easy to plan salary structures and tax-saving strategies effectively. 🔍 HRA Exemption vs Standard Deduction Many employees confuse HRA exemption with the standard deduction of ₹50,000. These are separate deductions, and you can claim both — the HRA exemption under Section 10(13A) and the standard deduction under Section 16(ia). 🧠 Key Benefits of Using the HRA Calculator Understand how HRA impacts your taxable income. Compare different rent amounts to optimize tax savings. Plan your relocation or salary negotiation better. Save more money through legal tax exemptions. Make your tax filing process smoother. 💬 Conclusion The HRA Calculator is one of the most essential tools for every salaried individual. It helps you understand your tax-saving potential on rent and optimize your salary accordingly. By using Narbariya.com’s Free HRA Calculator Online, you can instantly find your HRA exemption, taxable HRA, and total savings. The calculator is simple, fast, and accurate — perfect for financial planning and income tax filing. Start using the HRA Calculator today on Narbariya.com and take control of your salary and taxes effortlessly.