Rent and Utility Settlement Calculator

Most tenants send one figure a month covering rent, electricity, water and society maintenance, and quite reasonably think of that figure as what they pay for the flat. For an HRA claim it is the wrong number. Only rent qualifies. Electricity, water, maintenance and any society levy do not, even when the landlord collects them in the same transfer and acknowledges the lot in one line.

On the figures above rent is ₹16,000 of ₹20,450 in monthly charges — 78.24%. Receipting the whole amount as rent would put ₹2,45,400 of annual rent on your declaration against an actual ₹1,92,000. That is ₹53,400 of rent you did not pay, and in the 30% slab roughly ₹16,020 of exemption you are not entitled to. It reads like a monthly rounding and becomes a real number across twelve months, which is exactly the sort of thing that only surfaces when someone asks to see the receipts.

So the rent line is printed on its own here, next to the settlement total. If your landlord is willing to receipt only the rent and bill utilities separately, that is worth asking for once. It costs them nothing and it removes any argument about what maintenance is.

How rent disputes actually start: the electricity bill arrives after you have already transferred a round figure, ₹950 is left over, both sides mean to sort it next month, and neither writes it down. Three months later there are two versions of the account and no record to settle it against.

A month-at-a-time total cannot fix that, which is why there is an opening balance field. Enter last month's closing figure and the number you send is the whole position rather than one month in isolation: ₹20,450 for this month plus ₹950 brought forward is ₹21,400 payable, and against ₹15,000 paid the account closes at ₹6,400. Send that figure, not a paragraph. Next month, ₹6,400 goes in the opening field.

If the payment was split between flatmates before it reached the landlord, settle that part first — the shared expense split calculator divides household heads between people, including the case where someone was away, and this page then settles the single figure that goes to the landlord.

The relative disclosure is the newest of the four and the one worth reading twice. Rent paid to a parent has always been allowed if it is genuinely paid; what changed from 1 April 2026 is that the relationship has to be stated rather than left unmentioned. If the rent is real, transferred to a bank account and declared as income by the parent, nothing about the claim gets weaker. If it exists only as a receipt book, this is the year that stops working.

What this page deliberately does not do is calculate your actual HRA exemption. That is the lowest of three amounts and depends on your basic salary, your city and the allowance in your CTC — payroll figures, not rent figures. It also treats a month as a whole month, so a mid-month move-in needs the rent pro-rated before you enter it. Nothing you type is sent to ToolMintX; no rent amounts, addresses or landlord details leave your browser.