HRA Exemption Calculator
Find out how much of your House Rent Allowance is tax-free. It follows the least-of-three rule and the new 8-city metro list for FY 2026-27.
How to use HRA Calculator
- 1Pick the financial year and the city you live in.
- 2Enter your monthly basic salary, HRA and rent.
- 3See the three limits and the lowest one, which is your HRA exemption.
Why use FileDagadu
- Runs entirely in your browser — nothing is uploaded to a server
- No account, signup, or watermark required
- Works on desktop, tablet and mobile
- Free with no daily usage limit
Frequently asked questions
How is HRA exemption calculated?
It is the lowest of three amounts: the HRA you actually receive, your rent minus 10% of basic salary plus DA, and 50% (metro) or 40% (non-metro) of basic salary plus DA.
Which cities count as metro for HRA?
From FY 2026-27 the 50% rate applies to 8 cities: Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune and Ahmedabad. Before that it was only the first four. Confirm with your employer’s payroll team.
Can I claim HRA in the new tax regime?
No. HRA exemption is available only in the old tax regime.
Do I need my landlord’s PAN?
If the rent you pay is more than ₹1,00,000 in a year, employers usually ask for the landlord’s PAN. Keep rent receipts ready as proof.
Is my salary information stored or sent anywhere?
No. The numbers you enter stay in your browser and are never sent to or stored by FileDagadu.
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