HRA Calculator – Exemption & Taxable HRA
Compute HRA exemption under old-regime rules with metro limits, rent breakdown and taxable HRA
Salary & Rent Details
Old-regime exemption = min of the 3 statutory rules, computed monthly.
Exemption
Exempt HRA / month (Metro)
$20,000
$240,000 / year
Taxable HRA / mo
$20,000
Taxable HRA / yr
$240,000
| Rule (least wins) | Value |
|---|---|
| HRA received | $40,000 |
| Rent − 10% of basic | $20,000 |
| 50% of basic (metro) | $50,000 |
About this Tool
House Rent Allowance exemption under the old tax regime is the smallest of three statutory amounts: actual HRA received, rent minus 10% of basic salary, and 50% of basic in metro cities (40% elsewhere). This calculator applies all three rules to your monthly figures and shows exactly how much HRA stays tax-free.
Common Use Cases
Rent Negotiation
Find the rent level that maximizes exemption before extra rent stops helping.
Metro vs Non-Metro Moves
Quantify the exemption drop when relocating from a metro to a smaller city.
Salary Structuring
Work with HR to balance basic versus HRA for the best post-tax outcome.
Regime Comparison
Use your taxable HRA to decide between old-regime HRA benefits and the new regime.
Pro Tips
- !
Pay Enough Rent
Rent below 10% of basic wipes out one rule entirely — exemption can fall to zero.
- !
Keep Rent Receipts
Landlord PAN is needed above monthly thresholds and employers ask for proof yearly.
- !
Remember It's Old Regime Only
The new regime offers no HRA exemption — run both regimes before opting in.
FAQs
Was this calculator helpful?