वास्तविक टेक-होम परिणाम अनुकूलित करने वाले कर्मचारी और परिवार।
HRA Exemption Calculator
Calculate your HRA tax exemption under Section 10(13A). See which component limits your exemption, how much tax you save, and the optimal rent to maximise your claim.
हम इसकी गणना कैसे करते हैं - पद्धति, सूत्र और स्रोतवार्षिक HRA छूट
₹1,80,000
₹15,000 per month
Metro: Delhi, Mumbai, Kolkata, Chennai (50% of salary)
कर योग्य HRA
₹1,20,000
कुल प्राप्त HRA
₹3,00,000
तीन घटक (वार्षिक)
Exemption = minimum of A, B, C
| A. Actual HRA received | ₹3,00,000 |
| B. Rent − 10% of salary(limiting) | ₹1,80,000 |
| C. 50% of salary (metro) | ₹3,00,000 |
| HRA Exemption (min) | ₹1,80,000 |
Limiting factor: Rent paid − 10% of salary
अनुमानित कर बचत (पुरानी व्यवस्था)
At 20% slab
₹36,000
At 30% slab
₹54,000
+ 4% cess on tax saved
Annual breakdown
| Basic + DA (salary) | ₹6,00,000 |
| 10% of salary | ₹60,000 |
| HRA received | ₹3,00,000 |
| Rent paid | ₹2,40,000 |
| HRA exemption | ₹1,80,000 |
| Taxable HRA | ₹1,20,000 |
अनुकूलन सुझाव
If your rent were ₹30,000/month instead of ₹20,000/month, your HRA exemption would increase by ₹1,20,000/year.
केवल पुरानी व्यवस्था
HRA exemption under Section 10(13A) is available only in the old tax regime. Under the new regime (Section 115BAC, default since FY 2023-24), HRA is fully taxable.
मासिक छूट
₹15,000
वार्षिक छूट
₹1.8L