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HRA Exemption Calculator (India) — Section 10(13A), Metro & Non-Metro

Free HRA exemption calculator for FY 2025-26. Enter basic salary, HRA received and rent paid — get the tax-exempt amount under Section 10(13A) instantly. Metro and non-metro cities supported.

HRA Exemption Calculator

₹
₹
₹

Exempt under Sec 10(13A)

₹1,90,000

Taxable HRA

₹10,000

50% of basic (cap)

₹2,50,000

Rent − 10% of basic

₹1,90,000

Exemption is the least of: actual HRA received, 50% of basic+DA, and rent paid minus 10% of basic+DA.

💡

Already optimised HRA? Stack ₹1.5L in PPF and another ₹50K via NPS for max 80C + 80CCD(1B) deductions.

About this tool

How HRA exemption is calculated

Under Section 10(13A) of the Income Tax Act, the HRA exemption is the least of three values:

  • The actual HRA you received from your employer.
  • 50% of basic salary + DA (if you live in Delhi, Mumbai, Chennai or Kolkata), or 40% for any other city.
  • Rent paid minus 10% of basic salary + DA.

What this tool does

Punch in your three numbers and the metro/non-metro flag — the result is the exact rupee amount you can claim as exempt. Anything above that goes back into your taxable income at slab rates.

Why this is part of a bundle

Once you have your HRA exemption nailed, the next bucket to fill is Section 80C (₹1.5L cap — PPF, 5-year tax-saving FD, ELSS). After that, NPS gives you an additional ₹50K under Section 80CCD(1B). All four calculators sit one click away inside this tool — same screen, no navigation.

How to use the HRA Exemption Calculator (India)

Takes about a minute. No signup, no download, your data stays in your browser.

  1. 1
    Open the tool. Scroll up to the HRA Exemption Calculator (India) above — it loads instantly in your browser, no install needed.
  2. 2
    Enter your values. The fields come pre-filled with realistic defaults so you can see how it works — replace them with your own numbers.
  3. 3
    Read the result. The output updates instantly. Copy or share it — nothing is uploaded to a server, everything stays on your device.

Frequently asked questions

Common questions about the HRA Exemption Calculator (India).

Is the HRA Exemption Calculator (India) free to use?

Yes. The HRA Exemption Calculator (India)on 7BusyBoss is completely free — no signup, no paywall, no usage cap.

Do I need to sign up to use the HRA Exemption Calculator (India)?

No. The HRA Exemption Calculator (India)works instantly in your browser — no account needed. Signing in with Google is optional and only unlocks features like saving favorites and higher AI build limits.

Does the HRA Exemption Calculator (India) work on mobile?

Yes. Every tool on 7BusyBoss is mobile-responsive and works in any modern browser — Chrome, Safari, Firefox, Edge — on phones, tablets and desktops.

Is my data safe when I use the HRA Exemption Calculator (India)?

Yes. The HRA Exemption Calculator (India)runs entirely in your browser — your inputs never leave your device unless the tool explicitly fetches public data (e.g. currency rates). We don't store the values you type.

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