Can I claim HRA if I pay rent to my parents?

Yes, provided you actually pay the rent (ideally by bank transfer) and your parents declare it as rental income in their own return. Keep a rent agreement and receipts to support the claim.

Is HRA exemption available under the New Tax Regime?

No. HRA exemption under Section 10(13A) can only be claimed under the Old Tax Regime — the New Regime does not allow this exemption.

What documents do I need to claim HRA exemption?

You typically need rent receipts and a rental agreement, plus your landlord's PAN details if the annual rent paid exceeds ₹1,00,000.

income-tax Client-Side Only

HRA Exemption Calculator

Find out how much of your House Rent Allowance (HRA) is tax-free, based on whether you live in a metro city.

Basic Salary per Year (₹)

Dearness Allowance (DA) (₹)

HRA Received from Employer (₹)

Total Rent Paid Annually (₹)

Living in a Metro City (Delhi, Mumbai, Kolkata, Chennai — 50% Rule)

Total HRA Exemption (Tax-Free)

₹1,20,000

Deductible from your gross salary under Section 10(13A) in the Old Tax Regime.

Taxable Portion of HRA

₹1,20,000

Quick Reference & Instructions

Simple steps, pro tips, and execution details

Provide Inputs

Type, paste, or select your values in the form fields below.

Instant Live Analysis

Calculations and formatting happen automatically with zero delay as you type.

Copy or Use Output

Copy results or apply the clean output directly to your projects.

How It Works

Compares the three official HRA exemption rules and gives you the lowest one — which is what the law actually allows.

Formula & Logic

\text{Exemption} = \min(\text{Actual HRA}, 50\%/40\% \text{ Basic}, \text{Rent Paid} - 10\% \text{ Basic})

Frequently Asked Questions

Common questions about calculations, assumptions, and edge cases.

Yes, but the exemption is capped at 40% of your basic salary for non-metro cities, compared to 50% for Delhi, Mumbai, Kolkata, and Chennai.

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