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Calculate tax-exempt House Rent Allowance (HRA) using metro/non-metro rules and actual rent paid.
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Finance & Wealth
Calculate tax-exempt House Rent Allowance (HRA) using metro/non-metro rules and actual rent paid.
Enter your basic salary, HRA received, annual rent paid, and city type (metro vs non-metro). The calculator applies Section 10(13A) rules to find your exact tax-exempt HRA and taxable portion.
Calculate tax-exempt House Rent Allowance under Section 10(13A) of Income Tax Act. Yuitility keeps the workflow fast and focused, so you can complete the job without creating an account.
So you can check the result rather than take it on trust.
Exempt HRA = the least of three amounts
Basic salary ₹6,00,000, HRA received ₹3,00,000, rent paid ₹2,40,000 (₹20,000/month), metro city.
Exempt = ₹1,80,000 (limb 2 binds). Taxable HRA = ₹3,00,000 − ₹1,80,000 = ₹1,20,000.
The binding limb is almost never the one people assume. Here it is rent, not the 50% metro cap — meaning a higher HRA component in the offer letter would have bought no extra exemption at all at this rent level.
Limb 2 is rent paid minus 10% of basic, not rent paid. Omitting the subtraction overstates the exemption by ₹60,000 in the example above.
Note on assumptions: Figures used in the worked example above are illustrative planning assumptions, not current official rates. Check the applicable rate for your own situation before relying on the result.
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India old-regime HRA illustration. Salary input must include DA forming part of retirement benefits and eligible turnover commission where applicable. Exemption is not available under the new regime. Changing the displayed currency does not change these rules.
Calculate tax-exempt House Rent Allowance under Section 10(13A).
Tax Exempt HRA Amount
₹1,50,000
