HRA Exemption Calculator
Calculate your tax-exempt House Rent Allowance (HRA) for 2026-27 accurately based on your salary and city of residence.
Do you receive HRA?
Check your salary slip for HRA component
*Metro: Delhi, Mumbai, Kolkata, Chennai
Ready to calculate
Enter your salary and rent details above, then click 'Calculate Exemption' to see your results.
HRA Exemption Report
Generated on 9 May 2026
This is an estimate based on current rules and projections. Actual values may vary.
Generated by DesiSalary.com
How HRA Exemption is Calculated
Under Section 10(13A) of the Income Tax Act, the exemption on HRA is the minimum of the following three conditions:
1. Actual HRA
The total HRA amount received from your employer.
2. Rent - 10% Salary
Actual Rent Paid minus 10% of your (Basic + DA).
3. 50% or 40%
50% of salary for Metros, 40% for Non-Metros.
Frequently Asked Questions
What is HRA exemption?
HRA exemption is the portion of the House Rent Allowance received from an employer that is exempt from income tax under Section 10(13A) of the Income Tax Act.
What if my employer does not give HRA?
If you don't receive HRA but pay rent, you can claim a deduction under Section 80GG by filing Form 10BA, subject to specific limits and conditions.
Read Form 10BA GuideWhat is metro city for HRA purposes?
For HRA calculation, only Delhi, Mumbai, Kolkata, and Chennai are considered metro cities (qualifying for 50% of basic salary). Other cities like Bangalore and Hyderabad are considered non-metro (40%).
Related Tools
Other Useful Calculators
Salary Hike Check
Calculate your percentage hike & new salary
SSC Salary After 8th Pay Commission
Projected CGL, CHSL, MTS, GD, JE, Steno, and CPO salary bands
Banking Salary Guide
IBPS, SBI Clerk, PO, SO and manager salary with current banking context
8th Pay Calculator
Estimate expected salary hike & arrears
DA Arrears Calculator
Calculate DA arrears based on latest rates
NPS Calculator
Project your pension corpus and annuity
GPF Calculator
Calculate General Provident Fund interest and maturity
Income Tax Calculator
Estimate tax liability (Old vs New Regime)
Form 10E Calculator
Calculate Section 89(1) tax relief on arrears
HRA Calculator
Calculate tax-exempt House Rent Allowance
Gratuity Calculator
Estimate Retirement and Death Gratuity
Pay Fixation (Promotion)
Calculate revised pay on promotion (Option 1 vs 2)
Leave Encashment
Calculate encashment amount for EL at retirement
Pension Calculator
Calculate pension & commutation (7th CPC)
In-Hand Salary
Calculate net salary after deductions
Form 10E Relief
Calculate Section 89(1) tax relief on arrears
Net Worth Calculator
Calculate your total wealth and assets
Rent vs Buy India
Compare renting vs buying with EMI, inflation, and return assumptions
Inflation Calculator India
Check future value and purchasing power loss from inflation
Emergency Fund Calculator
Calculate your ideal financial safety net based on risk