🔍 vs Google
HRA Calculator vs Google — Metro vs Non-metro, Actual Exemption
Quick Answer
HRA exemption requires the minimum of three values: (1) Actual HRA received, (2) 50% of Basic for metro cities / 40% for non-metro, (3) Actual rent paid minus 10% of Basic. Google cannot do this calculation. CalcCrack HRA Calculator computes all three and picks the correct exemption amount automatically.Why CalcCrack beats Google Calculator
- ✓Three-rule minimum test automatically applied — no manual computation needed
- ✓Metro vs non-metro classification built in (Mumbai, Delhi, Kolkata, Chennai = metro)
- ✓Taxable HRA = Total HRA − Exempt HRA clearly shown
- ✓Tax saving from HRA exemption at your applicable income tax slab
- ✓Works for both old regime only (HRA exemption not available under new regime)
Feature Comparison
| Feature | CalcCrack 🏘️ | 🔍 Google Calculator |
|---|---|---|
| India-specific rules & data | ✓ | × |
| Multi-step calculation | ✓ | × |
| Detailed breakdown | ✓ | × |
| Shareable results | ✓ | × |
| Save & revisit calculations | ✓ | × |
| Basic arithmetic | ✓ | ✓ |
| Voice input | × | ✓ |
Use HRA Calculator on CalcCrack
India-specific calculation — more than Google Calculator can do. Free, no sign-up.
Frequently Asked Questions
What are the three conditions for HRA exemption?+
HRA exemption = minimum of: (1) Actual HRA received from employer, (2) 50% of Basic Salary if metro city, 40% if non-metro, (3) Actual rent paid minus 10% of Basic Salary. The lowest of the three is your HRA exemption.
Is HRA exemption available under the new tax regime?+
No. HRA exemption under Section 10(13A) is only available under the old tax regime. If you opt for the new regime, your entire HRA is taxable.
Can I claim HRA if I live in my own house?+
No. HRA exemption requires you to be actually paying rent. If you live in your own property, you cannot claim HRA exemption even if your employer pays you HRA — the full HRA is taxable.
What documents do I need for HRA exemption?+
Rent receipts (monthly or quarterly) and rental agreement. If annual rent exceeds ₹1 lakh, your landlord's PAN is mandatory. Submit these to your employer or attach to ITR when claiming HRA exemption.
Related Calculator
🏘️HRA Calculator
HRA exemption — metro/non-metro, old regime
Disclaimer: This page is for informational purposes and does not constitute financial, tax, or investment advice. Tax rules and rates are as per FY 2025-26 and subject to change. Always consult a SEBI-registered advisor or Chartered Accountant before making financial decisions.