Free tool · Updated for 2026-27
Rent receipt generator for HRA
Employer-ready receipts in under a minute. Handles rent changes, co-owned homes and the paperwork your HR team asks for.
Please note: Only create receipts for rent you have actually paid. Rent claimed against a landlord's PAN shows up in their tax records, so false receipts are easily caught and can lead to penalties. This tool is not tax advice.
HRA calculator
How much of your HRA is tax-free?
Uses the new 8-city metro list from 2026-27. Change the tax year to compare.
From your payslip
Estimated tax-free HRA for the year
₹2,28,000
Taxable HRA: ₹60,000 · Bengaluru counts as metro (50%) for 2026-27
Your exemption is the lowest of:
- HRA you receive₹2,88,000
- Rent paid − 10% of salary₹2,28,000
- 50% of salary (metro)₹3,60,000
Old tax regime only. From 2026-27, Bengaluru, Hyderabad, Pune and Ahmedabad join Delhi, Mumbai, Kolkata and Chennai at 50%. Estimate only, not tax advice.
FAQ
Rent receipts, answered
Who can claim HRA?
Salaried employees who receive House Rent Allowance and pay rent for the home they live in. The exemption is available only under the old tax regime.
When do I need my landlord's PAN?
When rent is more than ₹1,00,000 in a financial year. If your landlord has no PAN, they can sign a declaration instead. We generate it for you. Ask them to make sure their PAN is linked to Aadhaar.
My home is owned by two people. What do I do?
Add each owner as a co-owner with their share. You'll get separate receipts for each owner, with their own PAN, which is what most employers expect.
Can I pay rent to my parents?
Generally yes, if your parents own the home, you actually pay them (ideally by bank or UPI), and they show the rent as income in their tax return. Rent paid to a spouse is usually not accepted.
When is a revenue stamp needed?
Only for cash payments over ₹5,000 per receipt. The landlord signs across a ₹1 revenue stamp. UPI, bank transfer and cheque payments don't need one.
Which cities count as metro?
From 2026-27: Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune and Ahmedabad (50% of salary). For 2025-26, only the first four. Everywhere else is 40%.