Central Government Employees Salary Calculator (7th Pay Commission)
This calculator works out the monthly gross and in-hand salary of a central government employee under the 7th Pay Commission. Enter your basic pay from the pay matrix and the current DA rate, and it adds HRA for your city class and transport allowance for your level, then deducts NPS or GPF, CGHS and any other deductions, with an optional estimate of income tax.
It also shows a projection for the 8th Pay Commission if you enter an assumed fitment factor. The 8th CPC has been constituted, but its recommendations are not yet notified, so treat any projection as a what-if.
How the salary is built
Gross = Basic + DA + HRA + TA + DA on TA
Net = Gross − NPS (10% of Basic + DA) − CGHS − Other deductions − Estimated tax
| Component | Rate |
|---|---|
| Dearness allowance | Percentage of basic, revised every January and July (58% from July 2025) |
| HRA | 30% (X), 20% (Y) or 10% (Z) of basic, the rates that apply once DA crosses 50% |
| Transport allowance | Level 9+: ₹7,200 (TPTA cities) or ₹3,600. Level 3 to 8: ₹3,600 or ₹1,800. Level 1 to 2: ₹1,350 or ₹900. DA is paid on TA |
| NPS / UPS | 10% of basic + DA deducted from the employee. The government adds 14% (UPS 18.5%) which does not pass through salary |
| CGHS | ₹250 (Level 1 to 5), ₹450 (Level 6), ₹650 (Level 7 to 11), ₹1,000 (Level 12+) |
Worked example
Basic pay ₹56,100 (Level 10), DA 58%, X city, TPTA city, NPS:
| DA (58%) | ₹32,538 |
|---|---|
| HRA (30%) | ₹16,830 |
| Transport allowance | ₹7,200 + DA ₹4,176 |
| Gross salary | ₹1,16,844 |
| NPS (10% of basic + DA) | − ₹8,864 |
| CGHS | − ₹650 |
| Net before tax | ₹1,07,330 |
Annual gross is about ₹14 lakh, so under the new regime roughly ₹5,600 a month goes to TDS after the ₹75,000 standard deduction, leaving close to ₹1,01,700 in hand.
DA, HRA and the 8th Pay Commission
DA moves twice a year with the consumer price index, so gross pay rises even without an increment. Each July increment adds 3% to basic. HRA rates stepped up to 30/20/10% when DA crossed 50% in 2024. Because DA has passed 50%, the 8th Pay Commission is expected to merge it into basic and apply a fitment factor. The 7th CPC used 2.57. Enter any factor above to see what your basic would become; the allowances then reset around the new basic and DA starts again from zero, so the fitment factor overstates the true rise in take-home.
State government employees follow their own pay commissions and DA schedules, so use this only for central government and equivalent organisations. For the exact tax, run the annual gross through the income tax calculator.
Frequently asked questions
What is the current DA rate for central government employees?
DA is 58% of basic from July 2025. It is revised every January and July based on the All India Consumer Price Index, usually by 2 to 4 percentage points. The calculator lets you enter the latest rate.
How much HRA do central government employees get?
30% of basic in X cities (the eight largest metros), 20% in Y cities and 10% in Z cities. These rates apply once DA crosses 50%. Below that they were 27/18/9% and originally 24/16/8%.
When will the 8th Pay Commission be implemented?
The 8th CPC was constituted in 2025 with a typical timeline of 18 months for its report, so implementation is expected around 2027, possibly with effect from 1 January 2026. The fitment factor and pay matrix are not yet known. Use the projection field only as a what-if.
Is NPS deducted on basic or on basic plus DA?
On basic plus DA. The employee contributes 10% and the government 14% (18.5% under the Unified Pension Scheme). The government share is not part of your monthly salary, so it is not shown in the gross figure.
Related calculators
- Salary Calculator India (In-Hand)CTC to monthly take-home with EPF, gratuity and tax.
- Income Tax Calculator IndiaNew vs old regime tax for FY 2024-25 to 2026-27.
- Pay Raise CalculatorSee what a raise means per paycheck and per year.
- Retirement Savings CalculatorProject your nest egg and monthly retirement income.
Last updated . Formulas are shown on the page and checked against the worked example.
This calculator is an estimate based on published 7th CPC rules. DA, HRA rates and allowances change by government order, and deductions vary by department. Check your payslip for the exact figures.