Salary by pay level calculator

This calculator shows the full monthly salary for a central government post by its 7th Central Pay Commission pay level, with no typing. Pick a level, a stage, and the city and scheme options, and it reads the pay matrix and the current allowance rates to give the gross pay and the take-home after NPS, CGHS, and income tax. It is the quick, zero-entry companion to the detailed 7th CPC salary calculator.

Calculator

Where the money goes

What the calculator computes

The pay of a central government employee is built up from a basic pay set by the pay level, plus allowances that are percentages of that basic pay, minus a few standard deductions. This tool assembles all of it from the pay level you pick, so you do not type any figure.

Basic pay comes from the 7th Central Pay Commission pay matrix: 18 levels, each a column of cells, where every cell is the pay after another annual increment. On the basic pay the calculator adds dearness allowance at the current rate, house rent allowance at 30, 20, or 10 per cent by city class, and transport allowance by pay band with dearness allowance on top. That is the gross pay. From it, the calculator subtracts the 10 per cent NPS or UPS contribution (nothing under the Old Pension Scheme), the CGHS contribution for the pay range, and income tax, to give the monthly take-home.

The salary formula

The monthly gross and take-home are:

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

Take-home = gross pay − NPS or UPS contribution − CGHS − income tax

Dearness allowance is the current per cent of basic pay. House rent allowance is the city-class rate times basic pay, subject to the floor for that class. Transport allowance is the pay-band base times one plus the dearness-allowance rate. The NPS or UPS contribution is 10 per cent of basic pay plus dearness allowance. Income tax is worked out on the yearly gross under the chosen regime and divided by twelve.

Income tax and the two regimes

Income tax is computed for the full year and one-twelfth is deducted each month. The new regime, the default, allows a standard deduction of Rs. 75,000 and makes income up to Rs. 12 lakh free of tax through the Section 87A rebate, with marginal relief just above it and a 4 per cent cess on the tax. The old regime allows a Rs. 50,000 standard deduction and the Section 87A rebate up to Rs. 5 lakh.

The old-regime figure here is an upper bound, because a zero-typing tool cannot know your rent or your investments. It applies only the standard deduction, not the house rent allowance exemption or the Section 80C deductions, which would lower it. For a precise old-regime figure, use the income tax calculator and the HRA exemption calculator . The calculator also prints both regimes’ yearly tax so you can see which is lower for the salary.

A worked example

Take Level 10, Cell 1, in an X-class city, a higher-TPTA posting, on NPS and the new regime. Basic pay is Rs. 56,100. Dearness allowance at 60 per cent is Rs. 33,660. House rent allowance at 30 per cent is Rs. 16,830. Transport allowance is Rs. 7,200 plus 60 per cent, which is Rs. 11,520. Gross pay is Rs. 1,18,110.

The deductions are the NPS contribution of 10 per cent of basic plus DA, which is Rs. 8,976, CGHS of Rs. 650, and income tax of about Rs. 7,050 a month under the new regime. Take-home is about Rs. 1,01,434 a month. Choosing OPS instead removes the NPS deduction and raises the take-home to about Rs. 1,10,410.

Finding your level and cell

If you know your basic pay but not the cell, pick the level and read down the stage list until the basic pay matches; that cell is your stage. The level itself follows the post: it replaced the old grade pay, so Grade Pay 4200 is Level 6, Grade Pay 4600 is Level 7, Grade Pay 4800 is Level 8, and so on up the matrix. A fresh recruit starts at Cell 1 of the level and moves one cell to the right on 1 January or 1 July each year with the annual increment. On promotion the pay is fixed in the higher level under the pay-fixation rules, which can land on a higher cell than Cell 1. The pay matrix page shows the whole grid, and the pay fixation on promotion calculator works out the cell after a promotion.

Notes and scope

The transport city and the HRA city class are separate choices, because the Department of Expenditure sets the higher-transport-allowance cities and the X, Y, and Z HRA classes by different lists. The calculator does not add other allowances (children education allowance, special or post-specific allowances) or other deductions (CGEGIS, professional tax, a home loan), which vary by person and posting. For the fuller build with those, the worked examples, and the income-tax detail, use the 7th CPC salary calculator .

See also

• Salary by pay level
• 7th CPC salary calculator
• Pay matrix
• 7th Central Pay Commission
• Take-home salary of central government employees
• Income tax calculator
• HRA exemption calculator
• HRA calculator
• Transport allowance calculator
• Dearness allowance
• House rent allowance
• Transport allowance
• National Pension System
• Central government employees in India

External references

• Department of Expenditure
• Department of Personnel and Training
• Income Tax Department
• 7th Central Pay Commission report