Calculate how much rent you can afford based on your income, and check your HRA tax exemption.
| Recommended Budget Range | — |
| Remaining After Rent | — |
A common rule of thumb is to keep rent to about 30% of your take-home salary. It is a guide, not a rule, and your own expenses matter more.
| Monthly Take-Home | Max Rent (30%) | Comfortable Range | Metro Budget |
|---|---|---|---|
| ₹30,000 | ₹9,000 | ₹7,500–₹9,000 | ₹10,500 (35%) |
| ₹50,000 | ₹15,000 | ₹12,500–₹17,500 | ₹17,500 (35%) |
| ₹75,000 | ₹22,500 | ₹18,750–₹26,250 | ₹26,250 (35%) |
| ₹1,00,000 | ₹30,000 | ₹25,000–₹35,000 | ₹35,000 (35%) |
If you pay rent and your employer provides HRA, you may be able to claim an HRA exemption under the old tax regime. The exemption is the lowest of three amounts: the actual HRA received, a set percentage of salary that depends on the city, and rent paid minus 10% of salary. The city list and percentages come from the tax rules, so check the current rules. Use our HRA Calculator for exact savings.
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