Calculate your HRA exemption under Section 10(13A) using the standard 3-way minimum: actual HRA, 50%/40% of salary, and rent paid minus 10% of salary.
House Rent Allowance exemption under Section 10(13A) is one of the largest tax savings for salaried employees living in rented accommodation. Exempt amount = minimum of (actual HRA received, 50% of basic in metro / 40% non-metro, actual rent − 10% of basic). This calculator returns the exempt HRA, taxable HRA and net tax saving under the old regime (HRA exemption is not available in the new regime).
Delhi, Mumbai, Kolkata and Chennai are metros for HRA purposes (50% cap); Bengaluru, Hyderabad, Pune are non-metros (40%). If annual rent > ₹1 lakh, the landlord's PAN must be reported to the employer (or in ITR) — else exemption can be denied.
Software engineer renting a 2BHK.
Not collecting rent receipts monthly / annually — required at scrutiny.
Missing landlord PAN when rent > ₹1 L/year — exemption denied.
Claiming HRA under new regime — not allowed.
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Pay rent via bank transfer — creates an audit trail beyond receipts.
Parents own the home? Pay them rent legitimately — HRA exempt for you, rent-income taxable for them (often at lower slab).
No. HRA under Section 10(13A) is available only in the old regime.
Yes if annual rent exceeds ₹1 lakh, along with landlord's PAN.
No. HRA under Section 10(13A) is available only in the old regime.
via HRA CalculatorMost Chapter VI-A deductions (80C, 80D, 80E, HRA, LTA) are NOT available in the new regime. Only NPS employer contribution and standard deduction survive.
via Income Tax Calculator FY 2025-26The bonus / variable pay is shown separately since it is typically paid annually, not monthly.
via In-Hand Salary CalculatorThis dataset is free to reference in articles, research and reports. Attribution to Taxpex Consultancy is all we ask. Data last verified 31 July 2026.
Taxpex Consultancy. (2026). HRA Calculator — Taxpex. Retrieved from https://taxpex.com/tools/salary-payroll/hra-calculator<a href="https://taxpex.com/tools/salary-payroll/hra-calculator">HRA Calculator — Taxpex</a> — Taxpex Consultancy