Sourced reference and free calculators
Central government pay, allowances, pension and income tax
What an Indian central government employee is paid, what is deducted, and what is due on retirement, with the Office Memorandum or rule behind every figure named on the page. Dearness allowance stands at 60% from 1 January 2026, on a pay matrix of 18 levels running from Rs. 18,000 to Rs. 2,50,000.
Browse by topic
Pay commissions
What a pay commission is, the eight commissions since 1946, and the 7th and 8th CPC, the one in force and the one in progress.
Pay and the pay matrix
The 18-level pay matrix, how to read a level and a cell, the fitment factor, minimum pay, and the annual increment.
Pay fixation
How a cell in the matrix is set on first appointment, on the annual increment, on promotion, and on MACP, with the FR 22 increment-date option.
Allowances
Dearness allowance, house rent allowance by city class, transport allowance, and the rest of the allowances on the pay slip.
Take-home salary
How gross pay becomes the amount in your bank: the NPS, CGHS, and income-tax deductions, with a take-home table by pay level.
Income tax
The 2026-27 new and old regime slabs, the rebate, standard deduction, and the retirement exemptions.
Pension
NPS, the Unified Pension Scheme, and the Old Pension Scheme, plus gratuity, commutation, and family pension.
Retirement
Superannuation at 60 under FR 56(a), the higher ages for doctors and teachers, and the exit routes: voluntary and premature retirement, and resignation.
Career progression
MACP gives three financial upgradations at 10, 20, and 30 years, alongside promotion through a departmental promotion committee and non-functional upgradation.
Leave
Every leave head under the CCS (Leave) Rules, 1972: earned leave, half pay leave, commuted leave, and child care leave, and the pay each carries.
Holidays
The 2027 calendar: 17 closed holidays including the three national holidays, and 32 restricted holidays from which an employee picks two.
Conduct and discipline
The conduct rules, suspension, the minor and major penalties under Rule 11 of the CCS (CCA) Rules, 1965, the inquiry, and the appeal that follows.
Health and CGHS
Who the Central Government Health Scheme covers, the monthly contribution by pay level, ward entitlement, the pensioner card, and reimbursement.
Provident fund
Who still subscribes to the General Provident Fund, the 7.1% interest, the Rs. 5 lakh annual subscription cap, withdrawals, and the tax.
Deputation
A posting to another organisation with the lien retained: the pay option, deputation duty allowance, tenure limits, and foreign service terms.
Government jobs
What a post pays in hand, pay by level, and how recruitment and service conditions shape a central government career.
Departments and authorities
DoPT, the Department of Expenditure, and the bodies that set and administer pay, allowances, and pension.
Calculators
All 21 tools in one place, each showing the formula it applies and the order behind every rate it uses.
Calculators
Pay and pay fixation
- 7th Pay Commission Salary Calculator
- 8th CPC salary calculator
- MACP calculator
- Pay fixation on promotion calculator
- Salary by pay level calculator
Allowances
- Children Education Allowance calculator
- DA arrears calculator
- Expected DA calculator
- HRA calculator
- Transport Allowance calculator
Pension and gratuity
- Commutation of pension calculator
- Family pension calculator
- GPF calculator
- Gratuity calculator
- Leave encashment calculator
- NPS corpus calculator
- OPS vs NPS vs UPS calculator
- Rule 44 pension calculator
- UPS payout calculator
Income tax
What this site covers
Salary-Calculator.in is a sourced reference and a set of free calculators covering what an Indian central government employee is paid, what is deducted, and what is due on retirement. Every rate on the site traces to the order that set it: a Pay Commission report, a Department of Expenditure or DoPT Office Memorandum, the CCS Rules, or the Income-tax Act.
The pay slip starts from a single cell of the pay matrix, the 18-level table the 7th Central Pay Commission introduced on 1 January 2016 under the CCS (Revised Pay) Rules, 2016. Dearness allowance is 60% of that basic pay, and house rent allowance is 30%, 20% or 10% of it by city class. What is left after deductions for the National Pension System, CGHS and income tax under the default new regime is take-home salary.
On retirement the scheme follows the date of joining: the Old Pension Scheme before 1 January 2004, the National Pension System on or after it, and the Unified Pension Scheme as an option from 1 April 2025, with gratuity, commutation and family pension governed by the CCS (Pension) Rules, 2021. Superannuation falls at 60 under FR 56(a). The 8th Central Pay Commission has not reported, so every figure above is the one still in force.
Every topic and calculator listed above opens onto the article that carries the detail, the rates, the governing orders and the worked examples.
Every figure is drawn from the governing Pay Commission report, Office Memorandum, or statute, and cited on the page. Results are indicative and the governing order prevails. Nothing here is financial, tax, or legal advice. The editorial policy sets out the sourcing and review standard.