7th Pay Commission Salary Calculator

The 7th Pay Commission salary calculator works out the monthly gross and net pay of a central government employee under the 7th Central Pay Commission, which was implemented from 1 January 2016 through the CCS (Revised Pay) Rules, 2016. It reads the basic pay from the pay matrix, adds dearness allowance, house-rent allowance and transport allowance, then subtracts the standard payroll deductions to give the take-home figure. Every rate it uses is a published Office Memorandum, cited on this page.

The calculator runs in your browser and computes live as you change any input. It does not send your figures anywhere. If JavaScript is switched off, the formulas and the worked example below let you reach the same numbers by hand.

Calculator

What the calculator computes

The tool builds your salary in two stages. First it totals the earnings: basic pay, dearness allowance, house-rent allowance and transport allowance. That sum is your gross salary. Then it subtracts the standard monthly deductions: the National Pension System or Unified Pension Scheme contribution, the Central Government Health Scheme contribution, the Central Government Employees Group Insurance Scheme subscription, and any professional tax or income tax you enter. Gross minus deductions is your net in-hand pay.

It does not add allowances that are cadre-specific or posting-specific, such as a special duty allowance, a hard-area allowance, a children education allowance, or overtime. Those vary by ministry and posting and cannot be read from the pay level alone. Add them separately if they apply to you.

How the take-home pay is built up

Basic pay

Basic pay is a single cell in the 7th CPC pay matrix. The matrix has 19 levels (Level 1 to Level 18, with Level 13A between 13 and 14), and each level is a column of cells that step up by roughly 3 per cent for each annual increment. Cell 1 of a level is its entry pay. Each later cell is the previous cell multiplied by 1.03 and rounded up to the next multiple of 100. Level 1 starts at Rs 18,000, Level 18 is a fixed Rs 2,50,000, and Level 17 a fixed Rs 2,25,000. The matrix comes from the CCS (Revised Pay) Rules, 2016 (gazette notification dated 25 July 2016).

Dearness allowance

Dearness allowance = basic pay x DA rate

The Department of Expenditure revises the dearness allowance every six months against the All-India Consumer Price Index for Industrial Workers. It is 60 per cent of basic pay from 1 January 2026, under OM No. 1/1(i)/2026-E.II(B) dated 22 April 2026. The calculator defaults to 60 per cent and lets you override the rate for an earlier or later period.

House-rent allowance

House-rent allowance = max(basic pay x HRA rate, HRA floor)

House-rent allowance is 30, 20 or 10 per cent of basic pay for city classes X, Y and Z, with floors of Rs 5,400, Rs 3,600 and Rs 1,800 a month. The rate slab stepped up from 24/16/8 to 27/18/9 and then to 30/20/10 as dearness allowance crossed 25 and 50 per cent; the 50 per cent crossing happened on 1 January 2024, so the 30/20/10 slab is in force at DA 60 per cent and holds until DA crosses 75 per cent. The rates, floors and step-up triggers are in OM No. 2/5/2017-E.II(B) dated 7 July 2017.

Transport allowance

Transport allowance = base + (base x DA rate)

Transport allowance is a fixed base set by pay-level band and city type, and then dearness allowance is paid on that base at the current rate. The base figures from OM No. 21/5/2017-E.II(B) dated 7 July 2017 are:

Employees in Level 1 and 2 whose basic pay is Rs 24,200 or more draw the Level 3 to 8 base (Rs 3,600 or Rs 1,800). The higher-TPTA list is the annexure of larger urban agglomerations (Delhi, Greater Mumbai, Bengaluru, Chennai, Kolkata, Hyderabad and others).

Gross salary

Gross salary = basic pay + dearness allowance + house-rent allowance + transport allowance

Deductions

NPS or UPS (employee) = 0.10 x (basic pay + dearness allowance)

The National Pension System employee contribution is 10 per cent of basic pay plus dearness allowance, and the government adds 14 per cent of the same base to your Tier-I account (that government share is not deducted from your pay). The Unified Pension Scheme, an option from 1 April 2025 under DFS notification F. No. FX-1/3/2024-PR dated 24 January 2025, deducts the same 10 per cent on the employee side, so the take-home effect is identical.

The Central Government Health Scheme contribution is a flat monthly figure by pay level, under OM No. S.11011/11/2016-CGHS(P)/EHS dated 9 January 2017:

The Central Government Employees Group Insurance Scheme subscription is a flat monthly figure by service group: Rs 120 for Group A, Rs 60 for Group B and Rs 30 for Group C. These are the 1990-revision rates that still apply. Group follows the post’s service classification, so pick the group for your post.

Professional tax is a state levy, not a central one, capped at Rs 2,500 a year. It varies by state and many states charge nothing, so the calculator takes your own monthly figure rather than assuming one. Income tax also varies by regime, deductions and rebate, so it is out of scope here; enter your own monthly TDS if you want it in the take-home total.

Net in-hand pay

Net in-hand = gross salary - (NPS + CGHS + CGEGIS + professional tax + income tax)

Assumptions the calculator makes

• All money is rounded to the nearest rupee. Departmental practice on the exact rounding of an allowance can differ by a rupee; treat the figure as indicative.
• Dearness allowance is applied to basic pay and, separately, to the transport allowance base. It is not applied to house-rent allowance, which is a percentage of basic pay only.
• Only the four core allowances are counted. Cadre, posting and family-specific allowances are excluded.
• The employer NPS contribution of 14 per cent is shown for information and is not subtracted from your pay.
• The pay matrix, the DA rate and the HRA slab reflect the orders in force on 1 July 2026. When a new order changes a rate, the constant and this note are updated together.

A worked example you can check by hand

Take an employee in Level 1, cell 1, in a class X (metro) city, in a higher-TPTA city, at the current dearness allowance of 60 per cent, opting into NPS, CGHS and CGEGIS Group C, with no professional tax or TDS.

• Basic pay: Rs 18,000 (Level 1, cell 1).
• Dearness allowance: 18,000 x 0.60 = Rs 10,800.
• House-rent allowance: 18,000 x 0.30 = Rs 5,400, which equals the class X floor of Rs 5,400, so Rs 5,400.
• Transport allowance: base Rs 1,350 (Level 1, higher-TPTA, basic under Rs 24,200) plus DA 1,350 x 0.60 = 810, so Rs 2,160.
• Gross salary: 18,000 + 10,800 + 5,400 + 2,160 = Rs 36,360.
• NPS (employee): 0.10 x (18,000 + 10,800) = Rs 2,880.
• CGHS (Level 1): Rs 250.
• CGEGIS (Group C): Rs 30.
• Total deductions: 2,880 + 250 + 30 = Rs 3,160.
• Net in-hand: 36,360 - 3,160 = Rs 33,200.

The widget produces the same Rs 33,200 for these inputs. The government also puts Rs 4,032 (14 per cent of Rs 28,800) into this employee’s NPS Tier-I account, which does not reduce the take-home figure.

How to use the calculator

Set your pay level and then your pay stage; the stage dropdown shows the exact basic pay for each cell, so you can match the figure on your pay slip. Choose your HRA city class and your transport allowance city type. Leave the dearness allowance at 60 per cent unless you are modelling a different period. Tick the deductions that apply and pick your CGEGIS group. Add a professional-tax figure or a monthly TDS only if you want them in the net figure. The breakdown updates as you type, listing each allowance and each deduction on its own row with the running gross, total deductions and net in-hand.

The 8th Pay Commission is not yet in force

The 8th Central Pay Commission was announced on 16 January 2025, and its terms of reference were notified later in 2025, but it has not submitted a report and has not been implemented. Figures being discussed for its fitment factor (1.92, 2.28, 2.57 or 2.86) are projections, not decisions. Until the government notifies revised pay rules, the 7th CPC structure in this calculator is the one that governs your salary.

See also

• 7th Central Pay Commission
• 8th Central Pay Commission
• Pay matrix
• Pay fixation
• Dearness allowance
• House-rent allowance
• Transport allowance
• National Pension System
• Unified Pension Scheme
• Old Pension Scheme
• Central Government Health Scheme
• Central Government Employees Group Insurance Scheme
• Central Pay Commission
• Department of Expenditure
• Income tax for salaried employees