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.
Fill in the details — your result appears here instantly.
Want an expert to check this and do it for you?
Our expert calls you, checks the numbers and gets the work done. Your trust is our biggest fee.
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 figure depends on your full details — our expert confirms it before any filing.
Not sure about the numbers? Talk to an expert.
We check every deduction and file your return correctly — so you pay the lowest legal tax.
Mon–Fri 9:00 AM – 6:00 PM, Sat 10:00 AM – 4:00 PM · Your trust is our biggest fee.