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Your Inputs
Output
Your exemption is the smallest of these three
At a 30% slab, this exemption keeps about ₹32,400 a year in your pocket.
Rent is the biggest line in most budgets. See how much of it your salary structure can shelter.
Learn MoreAbout House Rent Allowance
HRA, or House Rent Allowance, is a component of your salary that can help reduce your taxable income if you live in a rented house. The exemption depends on your salary, the HRA you receive, the rent you pay and the city you live in.
Your HRA exemption is the lowest of three amounts: the actual HRA you receive, the rent you pay minus 10% of your Basic + DA, or 50% of your Basic + DA if you live in a specified city and 40% if you live elsewhere.
From 1 April 2026, the cities eligible for the 50% limit are Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune and Ahmedabad. HRA exemption is available only under the old tax regime.
Formula
1. Actual HRA received 2. Rent paid minus 10% of (Basic + DA) 3. 50% of (Basic + DA) for specified cities, or 40% for other cities
How our calculator can help you
a) Calculate how much of your HRA can be exempt from tax. b) Understand how your salary, rent and city affect your HRA exemption. c) See how much HRA can reduce your taxable income under the old tax regime. d) Estimate the taxable portion of the HRA you receive.
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