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HRA Exemption Calculator

Work out exactly how much of your House Rent Allowance is tax-exempt under Section 10(13A) — or your Section 80GG deduction if you don't receive HRA at all. No password, and nothing you enter ever leaves your browser.

Aggarwal Abhishek & Co. Self-Assessment Suite

HRA Exemption / Section 80GG Calculator — FY 2025-26 (AY 2026-27)
Educational tool — not a filed computation. This assumes your Basic Salary, DA, HRA and rent stayed constant through the year — if any of these changed (e.g. a salary hike, or a house move mid-year), the exemption should really be computed month-by-month, and the total may differ slightly from this estimate. Also note: this exemption applies under the Old Tax Regime only — it is not available if you opt for the New Tax Regime. Metro list: the 50% (metro) rate here applies to Delhi, Mumbai, Kolkata and Chennai as per the Income-tax Rules in force for FY 2025-26. These rules changed from 1 April 2026 (Income-tax Act, 2025 and its Rules) and the 50% category is reported to cover more cities — please check the current metro list before relying on the metro/non-metro choice for FY 2026-27.
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Quick details before you begin

This tool is free to use. We just ask for a few contact details first, so our team can follow up if you'd like help with your tax planning or return filing. No salary or financial data is ever sent to us — only the contact details below, and only if you choose to submit them.

We collect only the contact details above — never the salary or rent figures you use inside the tool.

Your Situation
Annual Figures
Result
How the three limits compare

The lowest of the three limits sets your exemption

What happens to your HRA

What to do next
Calculation Breakdown
Documents to Keep Handy

A general list — nothing here is saved or sent anywhere.

    Want a CA to check this for you?

    Send us your income and rent details on WhatsApp and we will work out the claim with you before you file.

    Message us on WhatsApp Or use our contact page
    Disclaimer: This is a self-help planning aid, not a filed computation. It assumes salary components stay constant through the year and does not account for a house move, salary revision, or a period spent in your own house. Section 10(13A) HRA exemption and Section 80GG deduction are available under the Old Tax Regime only. Aggarwal Abhishek & Co. does not certify these figures — please have us review your actual month-wise computation before filing.

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    Frequently asked questions

    Is the HRA Exemption Calculator free to use?

    Yes. The tool is free to use online and you do not need to create an account.

    Can I rely on the result for filing or decisions?

    The result is an estimate based on the figures you enter and the rules built into the tool. Please have important figures checked by a qualified Chartered Accountant before you file or decide.

    Who built this tool?

    It was built by Aggarwal Abhishek & Co., a Chartered Accountancy firm serving clients across India. You can contact us from the Contact page for help with your own case.