● Free India calculator · Use it below
HRA Calculator for India
Compare actual HRA, rent minus 10% of basic, and 40%/50% of basic in one view. Enter numbers and click Calculate — results appear on this page.
How this HRA Calculator works
Exempt HRA under Section 10(13A) is the least of: (a) actual HRA received, (b) 50% of basic (metro) or 40% (non-metro), (c) rent paid minus 10% of basic. Taxable HRA is the remainder. Rent receipts and landlord PAN rules apply at filing.
How to use
- Enter monthly basic salary used in your HRA policy.
- Add HRA received and rent paid (self-occupied scenarios differ).
- Choose metro vs non-metro for the 50%/40% test.
- Use exempt vs taxable split for payroll proof and ITR planning.
Related calculators
Operationalise payroll with IntelloHRM payroll after you finish estimating.
Elementor: insert shortcode [ih_calculator type="hra"] or the IH Calculator widget.
HRA Calculator — FAQs
Can I claim HRA while living with parents?
Possible if you pay rent and document it — structure and compliance matter; consult a tax advisor.
What if rent is below 10% of basic?
The rent-minus-10% component can be zero or negative, often limiting exemption.
Does HRA exemption need rent receipts?
Employers and tax authorities may require receipts and landlord PAN above thresholds.
Old vs new tax regime — is HRA relevant?
HRA deduction under Section 10(13A) applies in the old regime; new regime has different rules — pick regime first.
Should HRA be 50% of basic?
Common payroll design uses 40–50% of basic, but exemption depends on rent paid, not payslip structure alone.
Can both spouses claim HRA?
Only if both pay rent and meet conditions — duplicate claims on the same rent invite scrutiny.
Does IntelloHRM store HRA proofs?
Use document modules and payroll components in IntelloHRM; confirm your proof workflow in trial.
How often should employees update rent?
Update when rent, city, or basic changes — mid-year revisions affect TDS projections.
Is metro list fixed?
Metro classification follows tax rules (Delhi, Mumbai, Kolkata, Chennai commonly) — verify current CBDT guidance.
Why does payroll HRA differ from this calculator?
Employers may cap proofs, use different basic definitions, or apply TDS before final receipts.
After the HRA Calculator, run real payroll ops
Estimates help planning — IntelloHRM turns attendance, leave, and payslips into a repeatable process.
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