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HRA Exemption Calculator

↻ Updated FY 2026-27

Calculate how much of your House Rent Allowance is tax-exempt under Section 10(13A) — the least of actual HRA, rent minus 10% of salary, and 50%/40% of salary for metro/non-metro cities. Everything runs in your browser.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs
Basic salary (annual)
Dearness allowance (DA)
If part of retirement benefits; else 0
HRA received (annual)
Rent paid (annual)
City type
HRA exemption
₹1,80,000
deductible (old regime)
Taxable HRA
₹1,20,000
added to income
Monthly exemption
₹15,000
per month
Exempt vs taxable HRA
Exempt₹1,80,000
Taxable₹1,20,000
The three limits (least is exempt)
Actual HRA received₹3,00,000
Rent paid − 10% of (basic+DA)₹1,80,000
50% of (basic+DA)₹3,00,000
Exemption (minimum of the three)₹1,80,000
ASSUMPTIONS — FY 2026-27. HRA exemption under Section 10(13A) is the least of: actual HRA received; rent paid minus 10% of (basic + DA); and 50% of (basic + DA) for metro cities (Delhi, Mumbai, Kolkata, Chennai) or 40% for non-metro. The exemption applies only under the old regime. Estimate only — consult a CA.

Runs entirely in your browser — nothing you enter is sent to us.How this works

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RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.