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HRA Exemption Calculator 2026-27

Calculate your House Rent Allowance (HRA) tax exemption under Section 10(13A) of the Income Tax Act. Supports metro and non-metro cities, monthly or annual inputs. 100% free, instant, no data stored.

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Mumbai is Metro (50% of Basic applies)

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HRA Exemption Formula — Section 10(13A)

Under the Old Tax Regime, salaried employees can claim HRA exemption on the lowest of these three limits:

  1. Actual HRA received from the employer.
  2. Rent paid − 10% of Basic Salary (only the amount above 10% of Basic qualifies).
  3. 50% of Basic for Metro cities (Mumbai, Delhi, Kolkata, Chennai, Bengaluru, Hyderabad, Pune, Ahmedabad) or 40% of Basic for all other cities.

Important: HRA exemption is NOT available under the New Tax Regime. If you pay significant rent, compare both regimes using our Income Tax Calculator.

Frequently Asked Questions

Can I claim HRA if I live in my own house?
No. HRA exemption requires you to actually pay rent for accommodation you live in. If you own your residence, you cannot claim HRA exemption even if your employer pays you HRA — the full HRA received becomes taxable.
What proof do I need to claim HRA exemption?
If annual rent exceeds ₹1,00,000, you must submit rent receipts and the landlord's PAN to your employer. For rent below ₹1L/year, rent receipts alone are sufficient. Ensure the receipts have the landlord's signature, rent amount, address, and period.
Is HRA available in the New Tax Regime?
No. Under the New Tax Regime (2026-27), HRA exemption under Section 10(13A) is not allowed. The New Regime offers a higher ₹75,000 Standard Deduction instead. Use our Tax Calculator to check which regime saves you more.
Can I claim HRA and home loan interest together?
Yes — under the Old Regime. If you own a house in City A (on loan) and live on rent in City B, you can claim both HRA exemption and home loan interest deduction (u/s 24b, up to ₹2L). However, claiming both for the same city requires strong justification.
Why is my HRA exemption ₹0 even though I pay rent?
The most common reason is that your rent paid is less than 10% of your Basic salary. Only rent above the 10% threshold qualifies. Example: Basic ₹50,000/month → you must pay more than ₹5,000/month to get any exemption. The second reason is that you haven't entered rent paid in the calculator.

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