HRA Exemption Calculator for FY 2025-26
Enter your salary and rent details to calculate HRA exemption under Section 10(13A). Instant breakdown for FY 2025-26.
What it does
Calculates your eligible HRA exemption amount
Who it is for
Employees receiving HRA and paying monthly rent
What you get
Exempt HRA, taxable HRA, and estimated tax impact
How to use this tool
Enter salary details
Monthly basic salary and dearness allowance (DA) — enter 0 for DA if not applicable
Add HRA received & rent paid
HRA component from your salary slip and the actual rent you pay each month
See your exemption breakdown
Instantly see exempt HRA, taxable portion, and estimated annual tax saved
What you'll need
Keep these details ready before you start.
This keeps the flow quick on mobile and desktop, and helps you finish the form in one pass.
Your monthly basic pay
Set to 0 if not applicable
HRA component from your salary slip
Monthly rent you pay to landlord
How this tool helps
3-component formula shown
All three HRA components are shown individually so you can see exactly which one is limiting your exemption.
Tax saving estimate included
Shows estimated annual tax saved at 30% slab + 4% cess, giving you an instant sense of the monetary benefit.
Old regime decision help
HRA exemption is only under the Old Regime. Use this result alongside the regime comparator to decide what's better.
About this tool
Understand where it fits into your salary workflow.
Enter your salary and rent details to calculate HRA exemption under Section 10(13A). Instant breakdown for FY 2025-26.
House Rent Allowance (HRA) is a component of salary provided by employers to help employees meet rental expenses. Under Section 10(13A) of the Income Tax Act, a portion of HRA can be claimed as tax-exempt, reducing your total taxable income significantly.
The HRA exemption is calculated as the minimum of three amounts: (1) the actual HRA received from your employer, (2) rent paid minus 10% of your basic salary plus dearness allowance, and (3) 50% of basic salary plus DA if you live in a metro city (Mumbai, Delhi, Kolkata, Chennai), or 40% for non-metro cities.
Our calculator instantly computes all three components and shows you the exact exemption amount, the taxable portion of your HRA, and an estimated tax saving. This helps you plan whether it makes sense to increase your HRA component or restructure your salary for maximum tax benefit.
Important: HRA exemption is only available under the Old Tax Regime. If you have opted for the New Tax Regime introduced in Budget 2020 (and updated in Budget 2025), you cannot claim HRA exemption. Use our Old vs New Regime Comparator to determine which regime saves you more tax overall.