HRA Exemption Calculator: Maximize Tax Savings (FY 2026-27)

Don't Lose Your HRA Exemption

If you live in rented accommodation and receive a House Rent Allowance (HRA) as part of your salary, you are entitled to a significant tax exemption under Section 10(13A) of the Income Tax Act. However, calculating the exact exempt amount is a notoriously complex three-rule formula.

Instant & Accurate HRA Math

With our HRA Calculator, you no longer need to rely on confusing Excel sheets. Input your basic salary and rent paid, and our tool calculates the exact exemption instantly.

Pros of Our HRA Tool

• Metro vs Non-Metro Logic: Automatically applies the 50% vs 40% basic salary rule depending on your city of residence.
• Rule Breakdown: Shows you exactly which of the three IT rules triggered your final exemption amount so you understand the math.
• Data Privacy: Your salary structure and rent details are highly sensitive. Because this tool runs locally, your data is completely secure.

How to Calculate Your HRA

1. Basic Salary: Enter your annual Basic Salary + Dearness Allowance (DA).
2. HRA Received: Enter the exact HRA component mentioned in your CTC.
3. Rent Paid: Enter your total yearly rent.
4. Select City Type: Choose Metro (Delhi, Mumbai, Chennai, Kolkata) or Non-Metro.
5. Get Exemption: Instantly view your exempt amount versus your taxable HRA amount.