HRA Calculator
HRA is a share of basic pay that depends on your city class and rises as DA crosses set thresholds. This works out your HRA and, if you enter rent, how much of it is exempt from tax.
How to use this calculator
- Enter your basic pay.
- Choose your city class, X, Y or Z.
- Optionally enter the monthly rent you pay, and tick the box if you live in Delhi, Mumbai, Kolkata or Chennai, to see the tax exemption.
- Choose the date and calculate.
How it is calculated
The HRA rate for your city class is set by the DA rate in force: it steps up once DA crosses its thresholds, and a minimum amount applies at each class. The result shows the whole step table, with the step in force marked.
Under the old tax regime, the exempt part of HRA is the least of: the HRA received, rent paid less a tenth of salary, and half of salary if you live in Delhi, Mumbai, Kolkata or Chennai or two-fifths anywhere else — including other X-class cities. Salary here is basic plus DA. The new regime exempts none of it.
Worked example
A basic of ₹56,100 in Mumbai paying ₹20,000 rent a month on 1 August 2026: the result shows HRA at the rate then in force, the part exempt from tax and the part that is taxable.
Run this worked exampleRelated calculators
- Government Salary CalculatorBasic pay from your level and cell, plus DA, HRA and transport allowance at the rates in force, less NPS and your deductions.
- DA CalculatorDA on your basic pay at the rate in force, and what a revision is worth in rupees.
- Income Tax CalculatorTax on salary income under either regime, with the standard deduction, rebate and cess applied.
- Basic Pay CalculatorThe cell of the Pay Matrix your level and index land on, and what one more increment is worth.
Where the jobs are
Indicative only. The official order or notification governs, and every figure should be checked against it before you act on it.