Calculate your HRA exemption to save income tax under Section 10(13A)
House Rent Allowance (HRA) is a component of salary that employers provide to help employees cover rental expenses. Under Section 10(13A) of the Income Tax Act, a portion of HRA can be claimed as tax exempt, provided you actually pay rent for your accommodation.
The HRA exemption you can claim is the lowest of three figures: actual HRA received, rent paid minus 10% of salary, and 50% of salary in a metro city (40% elsewhere).
SnoopTool computes all three legs and highlights the smallest, which is the exempt amount under Section 10(13A) of the Income Tax Act. HRA exemption is available only under the old tax regime.
| Leg 1 | Actual HRA received from the employer |
|---|---|
| Leg 2 | Rent paid − 10% of salary (basic + DA) |
| Leg 3 | 50% of salary in metro cities, 40% in non-metro |
| Metro cities | Delhi, Mumbai, Kolkata, Chennai |
| Landlord PAN | Required if annual rent exceeds ₹1,00,000 |
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