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7th CPC salary calculator
Pick your pay level and basic pay. The calculator adds DA at the current 60% (from January 2026), HRA for your city class and transport allowance with DA on it, then takes off NPS or GPF, CGEGIS, CGHS and an estimate of income tax.
Cell values come from the 7th CPC pay matrix. Rates: sources. DA is 60% now; type 63 to see pay after the expected July 2026 hike.
Fill in the form to see the result.
How 7th CPC salary is worked out
Your salary starts with basic pay, which is one cell of the 7th CPC pay matrix. Each pay level is a column and each cell going down is one annual increment of 3%, rounded to the nearest ₹100. Everything else is calculated from basic pay:
- Dearness Allowance (DA): 60% of basic pay from January 2026. It is revised every January and July. See the DA rate table.
- House Rent Allowance (HRA): 30%, 20% or 10% of basic pay for X, Y and Z class cities, with a floor of ₹5,400, ₹3,600 and ₹1,800. Not paid if you live in government accommodation. See HRA city classes.
- Transport Allowance (TA): ₹7,200 (level 9 and above), ₹3,600 (levels 3 to 8) or ₹1,350 (levels 1 and 2) in the higher-TA cities, and half of that elsewhere, plus DA on it.
From the gross, the pay bill deducts your pension contribution (10% of basic + DA for NPS and UPS, or your chosen GPF rate for the old pension), CGEGIS (₹120, ₹60 or ₹30 by group), CGHS if you hold a card, professional tax in some states, and monthly income tax (TDS).
What this calculator does not include
Special allowances that depend on the post (Children Education Allowance, risk and hardship allowance, Dress Allowance, Non-Practising Allowance for doctors, Military Service Pay) are not added. Add them yourself if they apply. Income tax is estimated under the new regime with the standard deduction and the employer NPS deduction; use the income tax calculator for an exact comparison with the old regime.
More calculators
- 8th Pay Commission salary calculatorYour pay at fitment factors from 1.92 to 2.86
- 8th Pay Commission arrears calculatorArrears from January 2026 at any fitment factor
- DA hike and arrears calculatorMonthly rise and arrears from a DA hike
- Pay fixation on promotion and MACPNew basic pay after a promotion or MACP
Guides
- How dearness allowance (DA) is calculatedThe CPI-IW formula behind every DA hike, with a worked example
- Fitment factor explainedWhat the pay revision multiplier does, and why pay rises far less
- 8th Pay Commission: latest status and timelineWhere the 8th CPC stands, what is decided and what is only expected
- The 7th CPC pay matrix explainedLevels, cells, 3% increments and how promotion fixes your pay
- MACP scheme explainedFinancial upgrades at 10, 20 and 30 years, and how pay is fixed
- LTC rules for central government employeesBlocks, travel class by level, leave encashment and claims under LTC rules
Frequently asked questions
What is the current DA rate for central government employees?
DA is 60% of basic pay from January 2026. Pensioners get Dearness Relief at the same rate. The next instalment from July 2026 is expected but not yet approved.
How is in-hand salary different from gross salary?
Gross salary is everything you earn in a month (basic, DA, HRA, TA). In-hand salary is what reaches your bank after NPS or GPF, CGEGIS, CGHS, professional tax and income tax are deducted.
Does DA count for HRA?
No. HRA is a percentage of basic pay only. DA is paid on basic pay and on transport allowance.
When does the annual increment happen?
On 1 January or 1 July each year, depending on your date of joining or last promotion. It moves you one cell down in the same level, which is about 3% more basic pay.