HRA Exemption Calculator

Find how much of your house rent allowance is tax-free under the old regime, and how much is added to your taxable salary.

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📘 Read the full guide: HRA Exemption — How to Calculate It Correctly →

How to use the HRA Exemption Calculator

Enter annual basic salary plus dearness allowance (if DA forms part of retirement benefits).
Enter the HRA your employer pays in the year.
Enter the total rent you actually pay for the year.
Pick metro or non-metro city — the result shows the three limits, and the smallest one is your exemption.

Formula used

Exempt HRA = minimum of:

1. Actual HRA received
2. Rent paid − 10% × (Basic + DA)
3. 50% × (Basic + DA) in Delhi, Mumbai, Kolkata, Chennai; 40% elsewhere

Taxable HRA = HRA received − exempt HRA.

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HRA Exemption Calculator — FAQs

Can I claim HRA in the new tax regime?▾

No. HRA exemption under section 10(13A) is available only if you opt for the old tax regime.

Which cities count as metro for HRA?▾

Only Delhi, Mumbai, Kolkata and Chennai qualify for the 50% limit. Every other city, including Bengaluru, Hyderabad and Pune, uses the 40% limit.

Do I need my landlord's PAN?▾

Yes, if the annual rent you pay exceeds ₹1 lakh you must give your employer the landlord's PAN along with rent receipts.

What if I pay rent but get no HRA?▾

Self-employed people or employees without HRA may claim a deduction under section 80GG in the old regime, subject to its own limits.

Can I pay rent to my parents and claim HRA?▾

Yes, if you genuinely pay rent to a parent who owns the house and they report it as income. You cannot claim HRA for rent paid to your spouse.

How to use the HRA Exemption Calculator

Formula used

HRA Exemption Calculator — FAQs

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