Calculate tax-exempt HRA under Section 10(13A) with detailed breakdown
Free HRA exemption calculator under Section 10(13A). Calculate house rent allowance tax savings with detailed breakdown for salaried employees in India. This tool is built for practical, real-world usage where speed, clarity, and reliable output matter. You can start with the default values, review the result, and then refine inputs step by step to match your exact scenario.
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The exempt HRA is the minimum of: (1) Actual HRA received from employer, (2) 50% of basic salary for metro cities or 40% for non-metro, (3) Rent paid minus 10% of basic salary. The remaining HRA is taxable.
For HRA purposes, metro cities are Delhi, Mumbai, Chennai, and Kolkata. All other cities are non-metro, where 40% of salary is used instead of 50%.
If annual rent exceeds ₹1,00,000, you must provide rent receipts and landlord's PAN to claim HRA exemption. Below ₹1,00,000, a self-declaration may suffice.
You can pay rent to your parents and claim HRA, provided the parents declare the rental income. A formal rent agreement is recommended.
Purpose: Calculate HRA tax exemption under Section 10(13A) of the Income Tax Act.
Precise HRA exemption calculator implementing Section 10(13A) rules. Computes minimum of actual HRA received, 50%/40% of basic salary (metro/non-metro), and rent paid minus 10% of salary. Shows tax savings at both 20% and 30% slabs with detailed breakdowns.
This page includes tool-specific method notes, edge-case guidance, and reference context to provide substantial user value beyond a basic calculator interface.