Free tool · Rules updated 28 Sep 2026
HRA Exemption Calculator (Section 10(13A))
HRA exemption is the lowest of three amounts: the HRA you actually received, rent paid minus 10% of salary, and 50% of salary (metro cities) or 40% (other cities). It is available only in the old regime.
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HRA Exemption Calculator — common questions
Which cities count as metro for HRA?
Delhi, Mumbai, Kolkata and Chennai. Every other city, including Bengaluru, Hyderabad, Pune, Noida and Gurugram, uses 40%.
What is "salary" for HRA?
Basic salary plus dearness allowance (if it counts for retirement benefits) plus commission based on a fixed percentage of turnover.
Is the landlord's PAN needed?
If annual rent is more than ₹1 lakh, give your employer the landlord's PAN.
This tool gives an estimate based on the rules shown. Your actual tax depends on your full details — our expert confirms the final figure before filing.
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