HRA Exemption Calculator
HRA exemption is the lowest of: (1) HRA received, (2) rent paid minus 10% of basic + DA, and (3) 50% of basic + DA in metros (Delhi, Mumbai, Kolkata, Chennai) or 40% elsewhere.
It applies only under the old tax regime.
How to use the HRA Calculator
- Enter annual basic salary + DA.
- Enter annual HRA received.
- Enter annual rent paid.
- Select whether you live in a metro city.
Frequently asked questions
Can I claim HRA in the new tax regime?
No. HRA exemption is available only under the old regime.
Which cities count as metro for HRA?
Only Delhi, Mumbai, Kolkata and Chennai qualify for the 50% limit. All other cities, including Bengaluru and Hyderabad, use 40%.
Do I need my landlord's PAN?
Yes, if annual rent exceeds ₹1 lakh you must provide the landlord's PAN to your employer.
Estimates, not tax or legal advice. Results come from the published rules for the cases this calculator covers; your own circumstances can change them.
Last checked 2026-10-29 by the TakeHomeWorld editors · How we calculate and check rates · Runs entirely in your browser; nothing you type is stored.