HRA Exemption Calculator

Calculate your eligible House Rent Allowance (HRA) tax exemption and restructure rent payments for maximum tax savings.

Calculator Inputs

First Name (for AI Chat)

Basic Salary (Annual)

₹

Dearness Allowance (DA) (Annual - if any)

₹

HRA Received (Annual)

₹

Rent Paid (Monthly)

₹

City of Residence

HRA Exemption Report

Out of the ₹3,00,000 HRA you receive, ₹1,80,000 is tax-free — the remaining ₹1,20,000 gets added back to your taxable salary.

Exempt HRA (Tax-Free)

₹1,80,000

HRA Exemption Breakdown

60%

40%

Exempt HRA (Tax-Free)₹1,80,000

Taxable HRA (Added to Salary)₹1,20,000

Limiting factor: Exemption is limited by the Rent Paid minus 10% of Basic Salary rule. You could increase your exemption by increasing your rent payments.

Advisor Mode

This chat gives AI estimates, not filed advice — double-check with a CA before you file.