HRA Calculator

Find Out How Much House Rent Allowance You Can Claim As Tax-Exempt — 100% Free With Tax Robo HRA Calculator, No Signup Required.

HRA Exemption Calculator

Find Out How Much House Rent Allowance You Can Claim As Tax-Exempt — Enter Annual Figures.
📌 For FY 2025-26 (AY 2026-27), only Delhi, Mumbai, Kolkata, and Chennai qualify as metro cities (50% limit). Bengaluru, Hyderabad, Pune, and Ahmedabad are non-metro (40% limit) for this filing year — the 8-city metro expansion applies only from FY 2026-27 onwards.
📌 Note: HRA exemption is not available if you have opted for the New Tax Regime — it applies only under the Old Tax Regime.

Results

Exempted House Rent Allowance
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Taxable House Rent Allowance
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HRA exemption is calculated as the minimum of: actual HRA received, rent paid minus 10% of salary, or 50%/40% of salary (metro/non-metro, based on selected financial year). This is an estimate for general guidance only — please consult our CA team for accurate filing.
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HRA Basics

What is HRA?

House Rent Allowance, Or HRA, Is A Component Of Salary Paid By Employers To Help Employees Cover The Cost Of Rented Accommodation. A Portion Of This Allowance Is Exempt From Income Tax Under Section 10(13A) Of The Income Tax Act, Provided The Employee Actually Pays Rent And Meets The Conditions Laid Out Under Rule 2A. This Exemption Is Available Only To Salaried Individuals Who Have Opted For The Old Tax Regime, Since The New Tax Regime Does Not Allow HRA Exemption At All.

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HRA Calculation

How is HRA Exemption Calculated?

The Exempt Portion Of HRA Is The Lowest Of Three Amounts — The Actual HRA Received From Your Employer, The Rent You Paid Minus 10% Of Your Salary, Or 50% Of Your Salary If You Live In A Metro City (40% For Non-Metro Cities). Here, Salary Means Basic Pay Plus Dearness Allowance (If It Forms Part Of Retirement Benefits) Plus Any Fixed-Percentage Commission On Turnover. Whatever HRA You Receive Beyond This Exempt Amount Is Added To Your Taxable Income.

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Metro Cities

Metro Vs Non-Metro Cities For HRA — What Changed In 2026

For Decades, Only Four Cities — Delhi, Mumbai, Kolkata, And Chennai — Qualified For The Higher 50% HRA Exemption Limit, While Every Other City, Including Bengaluru, Hyderabad, Pune, And Ahmedabad, Was Capped At 40%. Under The Income Tax Rules 2026, Four More Cities — Bengaluru, Hyderabad, Pune, And Ahmedabad — Have Been Added To The Metro List, But This Expanded 8-City Rule Only Applies From FY 2026-27 Onwards. If You Are Filing For FY 2025-26 (The Return Due In July 2026), The Older 4-City Rule Still Applies, So Employees In Bengaluru, Hyderabad, Pune, And Ahmedabad Remain At The 40% Limit For This Filing Year. Our Calculator Automatically Applies The Correct Rule Based On The Financial Year You Select.

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Common Questions

Frequently Asked Questions - HRA

Bangalore Is Non-Metro (40% Limit) For FY 2025-26 Filing. From FY 2026-27 Onwards, Bangalore Along With Hyderabad, Pune, And Ahmedabad Will Be Classified As Metro Cities With The Higher 50% Limit Under The Income Tax Rules 2026.

No, HRA Exemption Under Section 10(13A) Is Available Only If You Have Opted For The Old Tax Regime. Under The New Tax Regime, The Entire HRA Received Is Fully Taxable.

For HRA Exemption Purposes, Salary Means Basic Pay Plus Dearness Allowance (Only If It Forms Part Of Retirement Benefits) Plus Any Commission Received As A Fixed Percentage Of Turnover. Other Allowances And Perquisites Are Not Included.

Yes, Rent Paid To Parents Can Qualify For HRA Exemption Provided There Is A Genuine Rent Agreement, The Rent Is Actually Paid (Ideally Via Bank Transfer), And Your Parents Declare This Rental Income In Their Own Tax Return.

Yes, If Your Annual Rent Exceeds ₹1,00,000 (About ₹8,333 Per Month), Your Employer Will Require Your Landlord's PAN Details To Process The HRA Exemption, As Per Income Tax Rules.

If Rent Paid Is Less Than Or Equal To 10% Of Your Salary, The Second Condition In The Exemption Formula Becomes Zero Or Negative, Which Means Your HRA Exemption May Be Very Low Or Zero Even If You Receive A Large HRA Component.

This Calculator Applies The Standard Section 10(13A) Formula And Current Metro City Rules For General Estimation Purposes. For Accurate Filing, Especially If Your Situation Involves Multiple Cities Or Rent Periods In One Year, We Recommend Confirming The Final Figures With Our CA Team.

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Need Help with Claiming Your HRA Exemption?

Our CA Team Can Help You Maximize Eligible Deductions And File Your Return Correctly — Free Initial Consultation.

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