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About this tool
Least-of-three HRA exemption with metro and non-metro rules and monthly breakdown.
HRA Exemption Calculator applies the section 10(13A) least-of-three test to your own numbers: actual house rent allowance received, rent paid minus 10% of salary, and 50% of salary for Delhi, Mumbai, Kolkata and Chennai or 40% everywhere else. It shows each limb separately, names the one that binds, and prints a month-by-month table of exempt and taxable HRA. You can add extra periods for a mid-year salary revision, a rent increase or a move between a metro and a non-metro city.
Open HRA Exemption Calculator on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
You see actual HRA, rent minus 10% of salary and the 50/40% cap side by side, plus which one is limiting your exemption.
Add up to four periods with their own months, city type, salary, HRA and rent instead of forcing one average for the year.
A per-month breakdown of exempt and taxable HRA that matches how payroll processes the declaration.
The exemption is the least of three amounts: the HRA actually received, rent paid minus 10% of salary, and 50% of salary if you live in Delhi, Mumbai, Kolkata or Chennai (40% in any other city). Salary means basic pay plus dearness allowance forming part of retirement benefits plus commission fixed as a percentage of turnover.
Only Delhi, Mumbai, Kolkata and Chennai qualify for the 50% limit. Bengaluru, Hyderabad, Pune, Gurugram, Noida and every other city use the 40% limit, however expensive they are.
No. The section 10(13A) exemption is one of the deductions given up under the new regime, so it only reduces tax if you file under the old regime.
If your rent for the year exceeds Rs 1,00,000, your employer must collect the landlord's PAN (or a declaration where the landlord has none) before allowing the exemption in Form 16.
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