HRA rent split
If you and your partner both get HRA and share the rent, how you split it changes how much tax you save. Enter your numbers and this works out the split that saves the most. Everything you type stays on your device.
Showing example figures. Replace them with yours.
These eight cities count as metros from FY 2026-27, so up to 50% of basic can be exempt. Elsewhere it's 40%.
Best split
| A year | Together |
|---|
Compared with other splits
| Split | Exempt HRA | Tax saved |
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Before you change how you pay
- HRA exemption only exists under the old tax regime. Anyone on the new regime gets nothing from rent, so all of it should go in the other person's name.
- Each of you can only claim rent you actually pay. Pay your share from your own bank account, keep monthly receipts, and ideally have both names on the rent agreement.
- If one person pays more than ₹1 lakh a year in rent, their employer will ask for the landlord's PAN.
- Exemption is the lowest of three amounts: the HRA you receive, rent minus 10% of basic, and 50% of basic (40% outside the eight metros). This tool tests every split against all three.
- Tax saved includes 4% cess but not surcharge, and assumes your slab doesn't change. It's an estimate to plan with, not tax advice; check with your CA before filing.