HRA Exemption Calculator

HRA exemption is generally the lowest of: the actual HRA received, actual rent paid reduced by a portion of basic salary, and a percentage of basic salary that depends on whether you live in a metro or non-metro city.

Yes, the percentage of salary used in the calculation differs between metro and non-metro cities, which is why this calculator asks for your city type.

No, HRA exemption requires that you actually pay rent for accommodation — if you live in your own house and pay no rent, you generally cannot claim this exemption.

HRA exemption is generally available only under the old tax regime; the new regime largely does not allow this exemption — use the Old Regime Tax Calculator to see the full tax impact.

Yes, you should retain rent receipts and, in many cases, your landlord's PAN details for rent above certain thresholds, in case proof is required for verification.