Hra Calculator India 2026
Calculate HRA exemption under Section 10(13A). Metro vs non-metro rules. Minimize income tax with optimal HRA claim.
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Disclaimer: Tax calculations are estimates based on current slabs and may not reflect all deductions or surcharges applicable to your situation. Consult a qualified Chartered Accountant (CA) before filing your returns.
About HRA Calculator
Calculate HRA tax exemption under Section 10(13A) instantly. Compares all three HRA exemption criteria and picks the minimum (least of: actual HRA received, 50%/40% of basic, rent paid minus 10% basic). Metro cities (Delhi, Mumbai, Kolkata, Chennai) get 50% basic; others get 40%.
HRA Calculator is a free, browser-based utility that requires no login, no signup, and no installation. All processing happens entirely within your web browser using JavaScript — your data never leaves your device. The tool works on all screen sizes including mobile phones, tablets, and desktop computers.
How to use
- Enter your values in the input fields — results update instantly as you type.
- No submit button needed. The tool calculates in real time.
- Copy your result or share it via WhatsApp or Twitter using the buttons above.
- Use the workflow links below to chain into related tools for a complete task.
- All processing is browser-only. Nothing you enter is sent to any server.
Tool details
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Expert note — India 2026
F you pay rent above ₹1 lakh/year, landlord PAN is mandatory for HRA claim (Section 10(13A) rule). Without it, the entire HRA becomes taxable.
Frequently asked questions
How is HRA exemption calculated?
Minimum of: (1) Actual HRA received, (2) 50% of basic+DA for metro/40% for non-metro, (3) Rent paid minus 10% of basic+DA.
Can I claim HRA and home loan interest together?
Yes — if your rented house and owned house are in different cities. You can claim both HRA exemption and home loan interest deduction under Section 24(b).
What are metro cities for HRA?
Delhi, Mumbai, Kolkata, and Chennai are the four metro cities for 50% HRA exemption. All other cities get 40%.
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