Free calculator
HRA exemption calculator
Find how much of your house rent allowance is exempt under the old regime — with the full three-way working.
Rates for FY 2026–27
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FAQ
HRA exemption calculator questions
How is HRA exemption calculated?
Least of: (1) actual HRA received, (2) rent paid minus 10% of basic+DA, (3) 50% of basic+DA in a metro or 40% elsewhere.
Is Bengaluru a metro for HRA?
For FY 2026–27, secondary sources say Income-tax Rules expanded the 50% list to eight cities including Bengaluru. Confirm against official Rule 279 before filing.
Can I claim HRA under the new regime?
No. HRA exemption is only under the old regime.
What if I live in my own house?
If you pay no rent, HRA exemption is usually nil.
Should I paste the exempt amount into the regime calculator?
Yes — enter the exempt figure in the old-regime HRA box on the old vs new regime tool.
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