HRA Exemption Calculator

No. You cannot claim HRA exemption if you live in your own house, as you do not incur any rental expenses. The entire HRA component received from your employer will be fully taxable in this case.

Yes. You can claim both HRA exemption and home loan tax benefits (under Section 24(b) for interest and Section 80C for principal repayment) if you live in a rented house while owning a house in another city or if you reside in a rented house due to genuine reasons like work location, even if your owned house is in the same city.

Yes. Employers require rent receipts and a valid rent agreement to grant HRA exemption in your Form 16. If your rent paid exceeds ₹3,000 per month, submitting rent receipts to your employer is mandatory. If you pay rent exceeding ₹1 Lakh annually, you must also provide the landlord's PAN card.

Yes, if your annual rent payments exceed ₹1,00,000 (roughly ₹8,333 per month), it is mandatory to provide your landlord's PAN card to your employer. If the landlord does not have a PAN card, they must sign a declaration (Form 60) along with their details.

You can pay rent to your parents and claim HRA, provided there is a formal rent agreement, regular bank transfers, and your parents declare this rent as rental income in their tax returns. However, paying rent to a spouse is generally not accepted by tax authorities as it lacks a commercial relationship, and couples are expected to live together.

For HRA calculation purposes, "Salary" is defined as Basic Salary plus Dearness Allowance (DA) plus any commission received that is based on a fixed percentage of turnover. Other allowances like travel, medical, or performance bonuses are excluded from this definition.

If your rent, basic salary, HRA component, or city type (metro vs. non-metro) changes during the financial year, the HRA exemption must be calculated separately for each period. The sum of these individual calculations will determine your total HRA exemption for the year.

Yes. The "Generate a Rent Receipt" section below the calculator builds a printable or downloadable rent receipt using the rent figure you already entered, for a single month or a full month range in one batch. It runs entirely in your browser — tenant, landlord and property details are never saved, shared, or sent to any server.

No. A generated receipt is a documentation template only. It does not verify your eligibility, check your landlord's details, or guarantee that your employer or the Income Tax Department will accept it. Whether an HRA claim is ultimately allowed depends on your employer's policies and applicable tax rules, not on this calculator.

Employers generally require the landlord's PAN when your annual rent paid exceeds ₹1,00,000 (roughly ₹8,333 per month). If your landlord does not have a PAN, they can typically sign a Form 60 declaration instead. This calculator does not check or enforce this threshold — confirm your own requirement with your employer or an authoritative source, since rules can change.