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HRA Exemption Calculator
Find tax-exempt HRA under the old regime for metro and non-metro cities.
Last updated 2026-09-17
Exempt HRA
₹2,80,000
Old regime only. Taxable HRA is received minus exemption.
Taxable HRA
₹1,20,000
How it works
Exempt HRA is the minimum of: actual HRA, rent paid − 10% of basic, and 50% (metro) or 40% (non-metro) of basic.
How to use this calculator
- Enter the inputs shown above (amount, rate, tenure, income, or other fields).
- Read the live results — they update as you type.
- Check the formula, worked example, and assumptions on this page before you decide.
Formula
Exempt HRA is the minimum of: actual HRA, rent paid − 10% of basic, and 50% (metro) or 40% (non-metro) of basic.
Worked example
Basic ₹8 lakh, HRA ₹4 lakh, rent ₹3.6 lakh in a metro city: exemption is the least of those three figures.
Reading the result
Treat the output as a planning figure. Compare it with your sanction letter, payslip, or GST invoice rather than treating it as a filing or a loan offer.
See also: calculation methodology and disclaimer.
Frequently asked questions
HRA exemption is an old-regime benefit. The new regime does not allow it.
Assumptions and limits
- This is a planning estimate. Your lender, employer, or tax officer may use different inputs or rounding.
Results are educational estimates, not tax, legal, investment, or medical advice, and not a loan offer. Verify filings and payments with the official authority or a qualified professional.
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