Can I claim HRA and a home loan deduction together?

Yes, if both are genuine — renting in the city you work in while owning a property elsewhere, or one that is genuinely let out. Claiming HRA while living in your own property is not permitted.

Is HRA available under the new tax regime?

No. The HRA exemption is one of the deductions the new regime removes in exchange for lower rates, which is often the deciding factor for someone paying substantial rent.

Is Bengaluru a metro for HRA?

No. Only Delhi, Mumbai, Kolkata and Chennai qualify for the 50% rate. Everywhere else is 40%.

Can I claim HRA without a rent receipt?

Your employer will require receipts to reflect it in Form 16, and rent above ₹1 lakh a year requires the landlord's PAN. Without documentation the claim is difficult to sustain if questioned.

HRA Exemption Calculator

Works out how much of your house rent allowance is exempt from tax, using the three-way test the Income Tax Act actually applies.

Runs in your browser — nothing is uploaded

Your monthly figures

Basic salaryper month

₹

HRA receivedper month

₹

Rent paidper month

₹

City

Metros allow 50% of basic; everywhere else 40%

Anything change during the year?

A rent revision, a move, or a salary hike means the annual shortcut gives the wrong exemption. Switch to month-by-month above and enter it properly.

HRA exempt from tax

₹1,80,000

₹1,20,000 of your HRA stays taxable

You will need your landlord's PAN

Annual rent of ₹2,40,000 is above the ₹1,00,000 threshold, so the declaration to your employer must carry the landlord's PAN. Without it the exemption is usually refused at source.

The 'capped by' column names which of the three tests was the smallest that month.

Month	HRA received	Rent paid	Exempt	Capped by
April	₹25,000	₹20,000	₹15,000	Rent − 10% basic
May	₹25,000	₹20,000	₹15,000	Rent − 10% basic
June	₹25,000	₹20,000	₹15,000	Rent − 10% basic
July	₹25,000	₹20,000	₹15,000	Rent − 10% basic
August	₹25,000	₹20,000	₹15,000	Rent − 10% basic
September	₹25,000	₹20,000	₹15,000	Rent − 10% basic
October	₹25,000	₹20,000	₹15,000	Rent − 10% basic
November	₹25,000	₹20,000	₹15,000	Rent − 10% basic
December	₹25,000	₹20,000	₹15,000	Rent − 10% basic
January	₹25,000	₹20,000	₹15,000	Rent − 10% basic
February	₹25,000	₹20,000	₹15,000	Rent − 10% basic
March	₹25,000	₹20,000	₹15,000	Rent − 10% basic

Total HRA received: ₹3,00,000
Total rent paid: ₹2,40,000
Exempt under 10(13A): ₹1,80,000
Taxable HRA: ₹1,20,000

Need this as an API?

Why use it

Built to be genuinely useful

All three limits

The exemption is the least of three figures, and people usually remember only one. Seeing all three shows which one is binding for you.

Metro and non-metro

The rate is 50% of basic in the four metros and 40% elsewhere, and the definition of metro here is narrower than most people assume.

Nothing is uploaded

The arithmetic runs in your browser. Salary, marks and tax figures are nobody else's business, and none of it is sent anywhere.

Free, no sign-up

No account, no limit on how many times you run it, and no result held back.

How it works

Three steps

1
Enter your basic salary, the HRA you receive and the rent you pay.
2
Say whether you live in a metro.
3
Read the exempt and taxable amounts.

The three figures, and which one usually binds

The exemption is the smallest of: the HRA actually received; rent paid minus 10% of basic salary; and 50% of basic in a metro or 40% elsewhere. All three are calculated and the lowest wins.

For most salaried people the second is the binding one, which produces a counter-intuitive result: if your rent is less than 10% of your basic, the exemption is nil regardless of how much HRA you receive. The allowance is not a deduction for having HRA in your structure — it is relief for rent actually paid.

What counts as a metro, and what the paperwork requires

For HRA, the metros are Delhi, Mumbai, Kolkata and Chennai. Bengaluru, Hyderabad and Pune are not, however expensive they have become. The classification comes from the Act rather than from population, and it has not been revised.

Rent above ₹1 lakh a year requires the landlord's PAN. Rent paid to a parent is allowed and is scrutinised — it needs a genuine tenancy, actual payment, and the parent declaring the income. Paying rent to a spouse is generally disallowed.

FAQ

Questions people ask

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