Calculator
What the HRA Calculator does
HRA Calculator: calculates HRA Exempt and Taxable HRA from Basic Salary (annual), HRA Received (annual) and Rent Paid (annual). Example: basic salary (annual) 600000 ₹, HRA received (annual) 240000 ₹ and rent paid (annual) 300000 ₹ gives HRA exempt ₹2,40,000.00.
From Basic Salary (annual), HRA Received (annual), Rent Paid (annual) and City Type, this tool derives HRA Exempt and Taxable HRA. Results refresh instantly, so trying variations costs nothing but a moment.
Seeing the total cost, not just the monthly figure, is what usually changes decisions. That is usually what brings someone checking a lender quote here.
Everything happens inside this page. Nothing you type is sent to a server, and there is nothing for us to store.
The method, a field-by-field reference and a worked example built from the defaults are all on this page.
What do the HRA Calculator fields mean?
The HRA Calculator uses 4 inputs. Every field is populated on load; treat those numbers as a template rather than a suggestion.
| Field | What to enter | Default |
|---|---|---|
| Basic Salary (annual) | measured in ₹; accepts 10000 to 5000000 | 600000 |
| HRA Received (annual) | measured in ₹; accepts 0 to 2000000 | 240000 |
| Rent Paid (annual) | measured in ₹; accepts 0 to 2000000 | 300000 |
| City Type | choose from Metro (50%) or Non-Metro (40%) | Metro (50%) |
How does the HRA Calculator work?
Each output is derived from the inputs above in a single pass; there is no hidden state carried between runs, so the same inputs always give the same calculation.
Checks happen up front, so errors surface next to the form instead of hiding in the output.
Worked example
These are the values the HRA Calculator loads by default, and the result it produces from them. This walkthrough uses the starting values, which means you can follow along without typing anything.
| Basic Salary (annual) | 600000 ₹ |
|---|---|
| HRA Received (annual) | 240000 ₹ |
| Rent Paid (annual) | 300000 ₹ |
| City Type | Metro (50%) |
| HRA Exempt | ₹2,40,000.00 |
|---|---|
| Taxable HRA | ₹0.00 |
Read next: Old vs New Tax Regime: Which One Actually Saves You Money
How to use it
- Fill in Basic Salary (annual) in ₹ (10000 to 5000000).
- Type HRA Received (annual) in ₹ (0 to 2000000).
- Enter Rent Paid (annual) in ₹ (0 to 2000000).
- Pick a value for City Type: the options are Metro (50%) or Non-Metro (40%).
- Watch the results panel as you type: it recalculates on every keystroke.
- The panel reports HRA Exempt and Taxable HRA.
- Share the link rather than a screenshot. It carries the values with it.
What this tool does not do
- Fees, processing charges and taxes are not included unless there is a field for them.
- Lender rounding conventions differ, so your statement may vary by small amounts.
- The result reflects the moment you ran it; anything that changes over time is not tracked.
- Confirm the units before you act on the output. The arithmetic is only as sound as what went in.
Frequently asked questions
Enter Basic Salary (annual) in ₹, HRA Received (annual) in ₹ and Rent Paid (annual) in ₹. The unit is shown beside each box, and the result carries its own label, so there is nothing to convert by hand.
Basic Salary (annual) accepts 10000 to 5000000 ₹. If a value falls outside, the tool says which field is at fault instead of guessing.
With the values loaded when the page opens, HRA exempt comes out as ₹2,40,000.00. Change a value and the number is recomputed on the spot.
It never leaves the tab. The page does the work itself rather than asking a server to.
It is free to use, with no premium tier holding back the useful parts.
The calculation is precise; the assumptions are yours. Change one input and you will see how sensitive the result is, which is usually the more useful insight.