Calculators
HRA Calculator
Find how much of your house rent allowance is tax-free, with the new 50% limit for Bengaluru, Hyderabad, Pune and Ahmedabad from FY 2026-27.
Eight cities at 50% from FY 2026-27
The Income-tax Rules, 2026, notified in March 2026, added Bengaluru, Hyderabad, Pune and Ahmedabad to Delhi, Mumbai, Kolkata and Chennai. Renters in these eight cities can now claim up to 50% of basic pay + DA. Everywhere else the limit stays at 40%.
What you can do with the HRA Calculator
- New 2026 metro list: Bengaluru, Hyderabad, Pune and Ahmedabad now at 50%.
- All three limits: Shows which one decides your tax-free HRA.
- FY 2025-26 too: Switch years to compare.
Only in the old regime
HRA exemption can be claimed only in the old tax regime. Use the result in the Income Tax Calculator's HRA box to compare both regimes.
What your employer will ask for
Rent receipts, and the landlord's PAN if rent is more than ₹1 lakh a year. From April 2026 the claim is made on Form 124 instead of Form 12BB, and you must say if the landlord is a relative.
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Frequently Asked Questions
How is HRA exemption calculated?
It is the smallest of: HRA received, rent paid minus 10% of basic + DA, and 50% (metro) or 40% (non-metro) of basic + DA.
Is Bengaluru a metro for HRA now?
Yes, from FY 2026-27. Bengaluru, Hyderabad, Pune and Ahmedabad now get the 50% limit. For FY 2025-26 they were still at 40%.
Can I claim HRA if I pay rent to my parents?
Yes, if you really pay the rent and they show it as income. You must now say on Form 124 that the landlord is a relative.
Which cities get 50% HRA exemption in FY 2026-27?
Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune and Ahmedabad. All other cities get 40%.
What if I don't pay rent?
Then none of your HRA is tax-free, and all of it is added to your taxable income.
What counts as salary for HRA?
Basic pay plus dearness allowance that counts for retirement benefits, plus commission fixed as a percentage of sales. Other allowances are left out.
Can I claim HRA and a home loan together?
Yes, if you live in a rented house and the house you own is in another city, or is not ready to move into.
Do I need rent receipts?
Your employer usually asks for them, and for the landlord's PAN if the rent is more than ₹1 lakh a year.
Can I claim HRA in the new tax regime?
No. HRA exemption is only allowed in the old regime.
I don't get HRA from my employer. Can I still save tax on rent?
In the old regime, you may be able to claim section 80GG instead, which has its own limits.
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