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HRA Exemption Calculator
Estimate House Rent Allowance exemption for FY 2025-26 from basic salary, HRA received, rent paid, and metro status.
Interactive calculator
Estimate HRA exemption under the old regime
Compare HRA received, rent paid minus 10% of salary, and the metro or non-metro salary limit to estimate the exempt and taxable HRA amount.
Results
Exempt HRA
₹2,10,000
Taxable HRA
₹1,50,000
Rent minus 10% salary
₹2,10,000
How to use it
- 01Enter annual basic salary, annual HRA received, annual rent paid, and whether the rented city is treated as metro.
- 02Review the exempt portion and the balance of HRA that remains taxable.
- 03Use the result as an input to broader income-tax planning for FY 2025-26.
Result guide
- The page is meant for the common salaried HRA workflow and does not replace employer payroll documentation.
- Salary for HRA purposes is simplified here to basic salary so the assumption stays transparent.
- Zero or low rent relative to salary can sharply reduce the exemption even when HRA received is high.
About this calculator
HRA is one of the most common salary-tax searches because salaried users often know the rule names but not the final exempt amount. A focused calculator works well when it shows the three-way minimum clearly.
This version is scoped to the standard HRA exemption framework and keeps the inputs explicit instead of trying to infer payroll structure automatically.
Frequently asked questions
Why does metro status matter?
Because the salary-based HRA limit is typically 50% of salary for metro cities and 40% for non-metro cities.
Does this page automatically know my payroll breakup?
No. It relies on the salary and rent inputs you provide, so the result should be checked against your payslip structure and tax documents.
Reviewed by Rajesh Sharma, CA
Chartered Accountant (CA, ICAI) & Certified Financial Planner (CFP)
Reviews calculations for Indian GST, income tax slabs, PPF/EPF interest, and lending disclosures per RBI and CBDT guidelines.
Sources: Per RBI / CBDT / SEBI guidelines/FY 2025-26 tax slabs/RBI retail lending disclosures and amortization conventions/SEBI and AMFI investor education materials
Disclaimer: Financial calculator estimates are based on the latest FY 2025-26 tax slabs and RBI guidelines. Under Indian regulatory provisions, these calculations are for educational purposes only and do not constitute SEBI-registered investment, CA tax, or legal advice.
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