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7th Pay Commission Salary Calculator

Pick your pay level and basic pay to see your 7th Pay Commission salary slip: DA at 60%, HRA, transport allowance, NPS or UPS, CGHS, CGEGIS and income tax, your in-hand pay, the next increment and what a promotion would pay.

%

60% from 1 January 2026

City class for HRA
Pension scheme
Transport allowance, CGHS, tax and other deductions
Transport allowance
₹

Charged by some states, e.g. ₹200

Net salary a month
₹83,176
Gross salary a month
₹91,070
Deductions a month
₹7,894
Net a year
₹9,98,112
Government's NPS share a month
₹10,058
Next increment (basic)
₹46,200
Pay slip a month, Level 7, DA 60%
Basic pay₹44,900
Dearness allowance (DA)₹26,940
House rent allowance (30%)₹13,470
Transport allowance + DA on it₹5,760
Gross₹91,070
NPS (10% of basic + DA)−₹7,184
CGHS−₹650
CGEGIS (Group B)−₹60
Income tax (new regime)₹0
Net salary₹83,176

One increment takes your basic to ₹46,200; in Level 8 that's the next higher cell: basic ₹47,600, gross ₹96,200 a month (₹5,130 more).

  • Income tax: ₹0 a year on ₹10,92,840 of pay, less the ₹75,000 standard deduction, in the new regime (HRA isn't exempt in it). Your DDO may spread it differently over the year.
  • The government also puts ₹10,058 a month (14% of basic + DA) into your NPS account; it isn't part of gross pay.
  • Increments are 3% (the next cell) on 1 January or 1 July. DA for July 2026 hadn't been announced when this was checked; change the DA above when it is.

Central government employees under the 7th CPC pay matrix. Recoveries such as loans, licence fee and society dues aren't included.

How to use the 7th Pay Commission salary calculator

  1. Choose your pay level and your basic pay from the cells of that level, as on your pay slip.
  2. Check the DA rate and pick your city class for HRA (or No HRA in government housing) and your pension scheme.
  3. Open the extra section for transport allowance, CGHS, income tax, professional tax and GPF.
  4. Read your gross and net pay, the pay slip, your next increment, and pick a level to see pay on promotion.

Worked example

A Level 10 officer on ₹56,100 in an X city: DA 60% is ₹33,660, HRA 30% ₹16,830, transport allowance ₹7,200 + ₹4,320 DA, so gross pay is ₹1,18,110. NPS takes ₹8,976, CGHS ₹650, CGEGIS ₹120 and income tax about ₹7,050 a month (₹84,600 a year in the new regime, rounded to the nearest ₹10), leaving ₹1,01,314 in hand; the government adds ₹12,566 to NPS. A Level 1 employee on ₹18,000 in a Y city earns ₹33,840 gross and ₹30,680 net.

The rates

  • DA 60% of basic from 1 January 2026
  • HRA 30% / 20% / 10% for X / Y / Z cities (at least ₹5,400 / ₹3,600 / ₹1,800)
  • Transport allowance ₹7,200, ₹3,600 or ₹1,350 a month by level in higher-TPTA cities, half elsewhere, plus DA
  • NPS and UPS: 10% of basic + DA from you; 14% (NPS) or 18.5% (UPS) from the government
  • CGHS ₹250 to ₹1,000 by level; CGEGIS ₹120 / ₹60 / ₹30 by group

Sources: Department of Expenditure (CCS (Revised Pay) Rules 2016 pay matrix, DA order of 22 April 2026, HRA and transport allowance orders of 7 July 2017), Ministry of Health (CGHS rates), Ministry of Finance (UPS), Income-tax Act new regime rates for 2026-27. Everything runs in your browser.

Frequently asked questions

How is 7th Pay Commission salary calculated?

Start from your basic pay in the pay matrix for your level. Add dearness allowance (60% of basic from 1 January 2026), house rent allowance (30%, 20% or 10% of basic for X, Y and Z cities) and transport allowance with DA on it. That's gross pay. Take off NPS or UPS (10% of basic + DA), CGHS, CGEGIS and income tax to get your net, in-hand salary.

What is the in-hand salary at Level 7?

At the first cell, ₹44,900, in an X city with DA at 60%: gross pay is ₹91,070 (DA ₹26,940, HRA ₹13,470, transport allowance ₹3,600 + ₹2,160 DA). Less NPS ₹7,184, CGHS ₹650 and CGEGIS ₹60, the net is ₹83,176 a month. Income tax is nil in the new regime because taxable income stays under ₹12 lakh.

What deductions come out of a central government salary?

NPS or UPS at 10% of basic + DA (GPF of at least 6% for those on the old pension), the CGHS subscription (₹250 for Levels 1–5, ₹450 for Level 6, ₹650 for Levels 7–11, ₹1,000 from Level 12), CGEGIS (₹120 Group A, ₹60 Group B, ₹30 Group C), income tax, and professional tax in states that charge it.

When do I get my annual increment?

On 1 January or 1 July each year, depending on when you joined or were promoted. It moves you to the next cell of your level, about 3% more basic pay, and your DA and HRA rise with it.

How is pay fixed on promotion?

Under rule 13 of the CCS (Revised Pay) Rules, 2016, you get one increment in your present level, then move to the cell in the new level equal to that amount or the next higher one. From Level 6 at ₹35,400, the increment gives ₹36,500, so in Level 7 you start at ₹44,900, the first cell.

What's the difference between NPS and UPS?

You pay 10% of basic + DA under both. The government adds 14% under NPS and 18.5% under the Unified Pension Scheme, which started on 1 April 2025 and promises a pension of 50% of your average basic pay for 25 years of service. The choice is made once.

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