HRA Calculator for ₹75K/month Salary — ₹9 L Basic
On ₹9 L basic salary with ₹4.50 L HRA and ₹3.60 L rent (metro): your HRA exemption is ₹2.70 L.
HRA Exemption
₹1.80 L
Taxable HRA
₹1.20 L
Rule Applied
Rent paid minus 10% of Basic
Three-Rule Comparison
1. Actual HRA: ₹3.00 L
2. 50% of Basic: ₹3.00 L
3. Rent − 10% Basic: ₹1.80 L ← Lowest
💡 HRA Exemption on ₹9 L Basic Salary
For a basic salary of ₹9 L (₹75K/month), HRA received of ₹4.50 L, and rent paid of ₹3.60 L in a metro city, the three HRA rules give: (1) Actual HRA: ₹4.50 L, (2) 50% of Basic: ₹4.50 L, (3) Rent − 10% Basic: ₹2.70 L.
The minimum of these three is ₹2.70 L — this is your exempt HRA. The remaining ₹1.80 L is added to your taxable income. At the 30% tax bracket, this exemption saves you approximately ₹81,000 in taxes.
₹9 L basic, ₹4.50 L HRA, ₹3.60 L rent (metro) → Exempt: ₹2.70 L | Taxable: ₹1.80 L.