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Calculate your HRA exemption under Section 10(13A) for FY 2024-25. Get instant tax savings calculation for metro & non-metro cities with detailed breakdown. Free online HRA calculator with annual and monthly modes.
Calculate your House Rent Allowance exemption & tax savings
$600,000
$0
$240,000
$180,000
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HRA Exemption = Minimum of the following three:
This HRA calculator is developed and verified by certified tax professionals with 10+ years of experience in Indian taxation. Our calculations strictly follow Income Tax Act 1961, Section 10(13A) guidelines and CBDT circulars. Updated for FY 2024-25 with latest tax rules. Last reviewed: December 24, 2025.
House Rent Allowance (HRA) is a salary component provided by employers to employees for meeting accommodation expenses. Under Section 10(13A) of the Income Tax Act, a portion of HRA is exempt from tax, which can result in significant tax savings. Our HRA calculator helps you determine the exact exemption amount and potential tax savings based on official IT Department guidelines.
The HRA exemption is calculated as the minimum of the following three amounts:
| Aspect | HRA Exemption (Section 10(13A)) | Section 80GG Deduction |
|---|---|---|
| Eligibility | Salaried individuals receiving HRA | Self-employed or salaried not receiving HRA |
| Maximum Limit | No fixed limit (based on formula) | ₹5,000 per month (₹60,000/year) |
| Calculation | Minimum of 3 conditions | Minimum of 3 conditions (different formula) |
Scenario: Employee in Mumbai with ₹50,000 basic salary, ₹20,000 HRA, paying ₹18,000 rent
Calculation:
HRA Exemption: ₹13,000 (minimum of three)
Tax Savings (30% slab): ₹3,900/month
Scenario: Employee in Bangalore with ₹60,000 basic salary, ₹24,000 HRA, paying ₹20,000 rent
Calculation:
HRA Exemption: ₹14,000 (minimum of three)
Tax Savings (30% slab): ₹4,200/month
Yes, you can claim HRA when paying rent to parents!
Requirements:
Note: Parents can claim standard deduction of 30% on rental income
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Official guidelines on HRA exemption from Income Tax Department of India
Visit incometax.gov.inCentral Board of Direct Taxes circulars and notifications on HRA exemption
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