# HRA Calculator

Author: C.K. Gupta
Published: 2026-03-25

Source: https://taxgst.in/hra-calculator/

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## Frequently Asked Questions

Find answers to common questions about hra calculator. Click on any question to expand the answer.

HRA exemption is calculated as the minimum of: (1) Actual HRA received, (2) Rent paid minus 10% of basic salary, (3) 50% of basic salary for metro cities or 40% for non-metros. Metro cities include Delhi, Mumbai, Chennai, Kolkata, Hyderabad, and Bengaluru.

To claim HRA exemption, you need: (1) Rent receipts with landlord's name and address, (2) Rent agreement if rent exceeds ₹1 lakh/year, (3) Landlord's PAN if rent exceeds ₹1 lakh/year, (4) Proof of HRA component in salary.

Yes, you can claim HRA exemption if you pay rent to your parents. However, your parents must declare the rent as income from house property in their tax returns. The arrangement should be genuine with proper documentation.

No, HRA exemption under Section 10(13A) is NOT available if you opt for the new tax regime under the Income Tax Act, 2025. You can only claim HRA exemption under the old tax regime.

Section 80GG allows deduction for rent paid if you don't receive HRA from employer. The deduction is minimum of: (1) ₹5,000 per month (₹60,000/year), (2) Rent paid minus 10% of total income, (3) 25% of total income. You must not own any residential property.