House rent allowance, FY 2026-27
HRA exemption calculator
How much of your house rent allowance is tax-free in the old regime.
The exemption is the lowest of three amounts
All three are yearly amounts.
Who can claim it
The HRA exemption is only available in the old regime, to employees who pay rent for a home they live in and receive HRA as part of salary. If your yearly rent is above ₹1,00,000, your employer will ask for your landlord's PAN. Sources: Schedule III and rule 279 (house rent allowance).
In the new regime all of your HRA is taxable. Compare the two regimes.
In-hand salary by CTC
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These figures are estimates based on the information you entered and the rules for tax year 2026-27 under the Income-tax Act 2025 as it stands after Budget 2026, EPFO notifications and state professional tax schedules. They are general information, not tax, financial or legal advice. Your actual in-hand salary can differ, for example because of your company's salary structure, variable pay, PF rules, your regime choice, TDS timing or your state. Check your payslip, or ask your payroll team or a chartered accountant, before relying on these figures.