HRA Calculator - House Rent Allowance Exemption
Find exactly how much of your HRA is tax-exempt using the three-rule calculation-metro vs non-metro, basic salary and actual rent paid.
Exempt HRA (illus.)
₹19,000.00
Taxable HRA (rough)
₹1,000.00
Uses common Section 10(13A) min-of-three logic-confirm with your employer/CA.
Figures are mathematical illustrations only and not a promise of performance. Mutual funds, deposits, loans, and insurance are offered by respective institutions-please read scheme documents and terms before investing or borrowing.
From Saarthi Capital · AMFI-registered MFD
You ran the numbers. Want a plan that actually gets there?
You came for the number. Leave with a plan-a Saarthi advisor turns this projection into a goal-mapped portfolio, free first conversation.
- Mutual funds & SIPsOur core-goal-mapped investing
- Term & health insuranceProtection sized to your family
- FD laddersPredictable, planned liquidity
- Tax planning80C and beyond, all year
Reply within 1 business day · No spam, no pressure
HRA calculator - how to use this tool
Calculate your exempt House Rent Allowance (HRA) under common rules.
The HRA calculator applies the Section 10(13A) three-rule minimum-actual HRA, rent minus 10% of basic, and 50%/40% of basic for metro and non-metro-to find your exempt amount. Available only in the old regime, so compare both regimes before you choose.
Adjust sliders to stress-test assumptions, review the visual breakdown where shown, and export or share results. For a documented plan, talk to Saarthi Capital.
Browse the full calculator hub for SIP, EMI, FD, tax, and more.
Frequently asked questions
How is HRA exemption calculated under Section 10(13A)?
The exemption is the least of three: actual HRA received, rent paid minus 10% of basic salary, and 50% of basic salary in metro cities (40% elsewhere). This HRA calculator applies all three rules for you.
Can I claim HRA in the new tax regime?
No-HRA exemption under 10(13A) is available only in the old regime. If you pay rent, compare both regimes in the income tax calculator before choosing.
Can I claim HRA if I pay rent to my parents?
Yes, if they own the house and you have genuine rent receipts-the rent is then taxable in their hands. Paying rent to a spouse is generally not accepted.
Ready to act on these numbers?
Share your scenario with Saarthi Capital-we’ll turn it into a goal-mapped portfolio, loan structure, deposit ladder, or tax-aware plan.
Talk to an advisor - free →