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HRA exemption calculator (India)

If you rent your home and choose the old tax regime, part of your house rent allowance is tax free. See how much.

About this estimate

Rules used: Rule 279 of the Income-tax Rules, 2026, from 1 April 2026 (tax year 2026-27)

Estimates only. Your employer's figure or your return can differ.

See assumptions and sources

Old regime only. The new regime does not allow an HRA exemption.
Salary means basic pay plus dearness allowance that counts for retirement benefits. Commission is left out.
50% of salary in Ahmedabad, Bengaluru, Chennai, Delhi, Hyderabad, Kolkata, Mumbai and Pune (the list from 1 April 2026), 40% everywhere else. Gurugram and Noida count as other cities.
You rent for the whole year and the amounts stay the same each month. If you rented for part of the year, the rules apply to those months only.
You do not own the home you live in. Your employer may ask for rent receipts, and your landlord's PAN when rent is more than ₹1 lakh a year.