If you're a salaried employee receiving HRA from your employer, you can claim partial exemption from income tax under Section 10(13A) - but only on the old tax regime. The new tax regime drops HRA exemption entirely in exchange for lower slab rates. This calculator shows your HRA exemption under the old regime and helps you compare whether old or new is cheaper overall.
When to use this
Use during: salary negotiation (calculate the take-home impact of a higher HRA component), ITR filing (compute exactly what to claim under HRA exemption), tax-planning for the next FY (decide between old + HRA exemption vs new + no HRA), TDS verification on Form 16.
Frequently Asked Questions
Can I claim HRA under the new tax regime?
No - the new tax regime (Section 115BAC, default since FY 2023-24) drops HRA exemption along with most other allowances and deductions. You only get HRA exemption on the old regime. The calculator shows the net tax in both regimes so you can pick the cheaper one.
I get HRA but pay no rent (live with parents). Can I still claim?
Technically no - HRA exemption requires actual rent paid. Some salaried employees claim HRA by paying rent to a parent (legal if it's a genuine landlord-tenant arrangement with a rent agreement and rent receipts), but you cannot claim HRA on no rent at all. Doing so is tax evasion.
Powered by HRA Exemption Calculator.