HRA Exemption Calculator
How much of your House Rent Allowance is tax-free? Enter annual figures below — the exemption under Section 10(13A) is the lowest of three limits, computed instantly. Applies under the old tax regime only.
Your Details (annual)
Notes: “Salary” here means basic pay plus dearness allowance (where it counts for retirement benefits). Keep rent receipts; if annual rent exceeds ₹1,00,000, the landlord’s PAN must be reported to your employer. The HRA exemption is not available under the new (default) regime. Estimate only — consult us for your exact position.
Frequently Asked Questions
Is Navi Mumbai or Panvel a metro city for HRA?
No. Only Delhi, Mumbai, Kolkata and Chennai qualify for the 50% limit; Navi Mumbai and Panvel fall in the 40% category, even though they are part of the Mumbai Metropolitan Region.
Can I claim HRA if I live with my parents?
Yes, if you genuinely pay them rent — ideally by bank transfer with a rent agreement, and they declare it in their income. Sham arrangements are routinely disallowed in scrutiny.
Can I claim HRA under the new tax regime?
No. The Section 10(13A) exemption is available only under the old regime — one of the items to weigh when comparing the two regimes.