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HRA Exemption Calculator

Calculate the exempt and taxable portions of your House Rent Allowance under Section 10(13A), Old Tax Regime.

HRA exemption is only available under the Old Tax Regime — the New Regime doesn't allow it at all. Only Mumbai, Delhi, Kolkata, and Chennai count as "metro" for this calculation; Bengaluru, Hyderabad, and Pune are treated as non-metro despite being major cities.

Tool Interface

Enter monthly figures from your salary slip — the exemption is calculated for the full year.

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Frequently Asked Questions

It's the smallest of three figures: (1) actual HRA received, (2) rent paid minus 10% of basic salary + DA, and (3) 50% of basic + DA (metro) or 40% (non-metro). Whichever of those three is lowest is what limits your exemption — this tool shows you which one it was.

No — HRA exemption is only available under the Old Regime. Use the Income Tax Calculator to compare both regimes with your actual numbers before deciding which to file under.

Without rent payment, there's no exemption to claim — your entire HRA is taxable. Use the Rent Receipt Generator to create proper receipts for your records once you do have a documented rental arrangement.