Calculate your HRA tax exemption
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HRA exemption is the least of: actual HRA received, rent paid minus 10% of basic salary, or 50%/40% of basic salary (metro/non-metro) — the standard Income Tax Act formula.
The exempt amount is the least of: actual HRA received, rent paid minus 10% of basic salary, or 50% (metro) / 40% (non-metro) of basic salary.
No — HRA exemption requires that you actually pay rent for accommodation you live in; it does not apply if you own and live in your own house without paying rent.
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