Salary HRA Calculator
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Calculate HRA exemption online. Free salary HRA calculator for FY 2025-26. Compute House Rent Allowance exemption under old and new tax regimes.
- Free Calculator
- Free
- Updated for 2026
- 2026
- IT Act Compliant
- Accurate
- Free HRA calculator
- Accurate IT Act calculations
- Updated for AY 2026-27
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Key facts
The key facts, in one place
Everything a founder usually has to piece together from five different pages, in one place.
- HRA Exemption
- Lowest of 3
- Actual HRA, 50% of basic (metro), 40% (non-metro), rent paid - 10% basic
- Metro Cities
- Delhi, Mumbai, etc.
- 50% of basic salary for HRA
- Non-Metro
- Other cities
- 40% of basic salary for HRA
- Rent Paid
- Minus 10% basic
- Rent minus 10% of basic salary
- New Regime
- No HRA exemption
- HRA exemption not available in new regime
What is HRA Exemption?
HRA (House Rent Allowance) is a component of salary paid by employers to employees for accommodation. Under Section 10(13A) of the Income Tax Act, HRA received by employees is eligible for partial or full exemption from tax, provided the employee is paying rent for residential accommodation.
The HRA exemption is the lowest of: (1) Actual HRA received from employer, (2) 50% of basic salary (for metro cities: Delhi, Mumbai, Chennai, Kolkata) or 40% of basic salary (for other cities), (3) Actual rent paid minus 10% of basic salary.
Under the new tax regime (FY 2024-25 onwards), HRA exemption is not available. Therefore, the tax regime comparator should factor in HRA when comparing old vs new regime.
Bizeneed visual guide
Salary HRA Calculator
Calculate HRA exemption online. Free salary HRA calculator for FY 2025-26. Compute House Rent Allowance exemption under old and new tax regimes.
- 1Understand requirement
- 2Prepare documents
- 3Complete filing
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Eligibility
Who needs HRA calculator?
- Salaried individuals receiving HRA
- Employees claiming HRA exemption
- Freelancers/consultants with no HRA
- Anyone comparing old vs new tax regime (HRA is a key factor)
Documents
Documents Required for HRA Exemption
3 required · 1 if applicable
Common to every entity
- Rent receipts / rent agreementRequired
- Form 16 / Salary slipsRequired
- Landlord's PAN (if rent exceeds Rs. 1 lakh/year)If applicable
- Bank statement showing rent paymentsRequired
Process
How to Calculate HRA Exemption
Enter Details
Enter basic salary, actual HRA received from employer, monthly/annual rent paid, and whether you live in a metro city.
Calculate
The exemption is the lowest of: actual HRA received, 50%/40% of basic salary, and rent paid minus 10% of basic salary.
Claim in ITR
Declare the HRA exemption under 'Income from Salary' in your ITR. Keep rent receipts and landlord's PAN (if applicable) as supporting documents.
Timeline
HRA Exemption Timeline
- Ongoing
Collect Rent Receipts
Collect rent receipts from landlord every month.
- 31 July
ITR Filing Deadline
Declare HRA exemption in your ITR by due date.
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Benefits
HRA Exemption Benefits
Tax Savings
- Significant tax savings for salaried individuals paying rent.
Free Calculator
- Calculate your HRA exemption for free.
Comparison
- See the impact of HRA on old vs new regime decision.
Why Bizeneed
Why Choose Bizeneed?
- Free HRA calculator
- Updated for AY 2026-27
- CA-assisted ITR filing
FAQ
Frequently asked questions
HRA exemption is the lowest of: (1) Actual HRA received, (2) 50% of basic salary (metro) or 40% (non-metro), (3) Rent paid minus 10% of basic salary. Use our calculator for instant computation.
Yes, rent receipts are required as proof of rent payment. If annual rent exceeds Rs. 1 lakh, you also need to provide your landlord's PAN. If the landlord doesn't have PAN, a declaration from them is required.
Yes, you can claim HRA exemption if you pay rent to your parents (with a valid rent agreement and rent receipts). However, the rent should be genuine and the parents should declare the rent received in their income.
Written by Bizeneed Research Team, Income Tax Experts
Last updated 2026-09-06
HRA rules are based on IT Act. Verify with latest notifications.
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