A 7th Pay Commission salary calculator built on the Gazette pay matrix
This 7th Pay Commission salary calculator works out the monthly in-hand salary of a central government job from the official pay matrix: pick a pay level and cell (or an SSC CGL post), and it adds dearness allowance, house rent allowance for X, Y or Z cities and transport allowance, then subtracts the NPS or GPF contribution, CGEGIS and CGHS. Amounts are in Indian rupees.
The pay matrix covers Levels 1 to 18, including Level 13A and the 2017 revision of Level 13. DA defaults to 60 % from 1 January 2026, the latest rate the Department of Expenditure had announced when this page was checked on 19 October 2026 — change it when a new order comes out. Results are estimates for planning, not advice; your pay slip is the final word.
It is also an 8th Pay Commission calculator for “what if” planning: try fitment factors of 1.92, 2.28, 2.57 or 2.86, or your own, on today’s basic pay or basic pension. These are scenarios only — as of 24 October 2026 the 8th CPC, set up on 3 November 2025, had not reported. A pensioner mode adds dearness relief, the additional pension from age 80 and commutation.
How to use the 7th & 8th Pay Commission Salary Calculator
- Choose a pay level and cell, or pick an SSC CGL post to jump to its level. Cell 1 is the starting pay of a new recruit.
- Check the DA rate and pick your HRA city class; the HRA rate follows the DA rule automatically.
- Choose whether you get the higher transport allowance (19 listed cities) and your pension scheme.
- Tick CGHS and add professional tax if they apply to you.
- Read the in-hand figure and the line-by-line table, then compare the 8th CPC fitment scenarios. Pensioners choose “Pensioner” and enter their basic pension.
7th & 8th Pay Commission Salary Calculator features
Whole pay matrix
All 19 levels and every cell, generated by the matrix’s own 3 % rule and checked against the Gazette’s final cell of each level.
DA, HRA, TA rules
HRA 30/20/10 % once DA reaches 50 % (27/18/9 % at 25–49 %), with the ₹5,400 / ₹3,600 / ₹1,800 minimum; TA by level with DA added.
SSC CGL in-hand salary
Posts from the SSC CGL 2026 notice mapped to Levels 4–8.
Deductions
NPS or UPS at 10 % of basic + DA, GPF at your rate, CGEGIS by group, CGHS by level and state professional tax.
8th CPC scenarios
One table with factors 1.92, 2.28, 2.57 and 2.86 (plus your own): new basic, change against basic + DA today and gross if today’s allowance rules carried over — always labelled “scenario, not announced”.
Pensioners
Basic pension + dearness relief, the 20–100 % additional pension from age 80 and any commutation cut, with the same 8th CPC scenarios.
Worked example: Level 7 (ASO, Inspector) in a metro
Basic pay ₹44,900 (Level 7, cell 1). DA at 60 % = ₹26,940. HRA in an X city at 30 % = ₹13,470. Transport allowance in a higher-TA city = ₹3,600 + 60 % DA = ₹5,760. Gross = ₹91,070 a month. NPS takes 10 % of ₹71,840 = ₹7,184 and CGEGIS (Group B) ₹60, leaving about ₹83,826 before income tax.
Rates used (as of 19 October 2026)
The 19 higher-TA cities are Hyderabad, Patna, Delhi, Ahmedabad, Surat, Bengaluru, Kochi, Kozhikode, Indore, Greater Mumbai, Nagpur, Pune, Jaipur, Chennai, Coimbatore, Ghaziabad, Kanpur, Lucknow and Kolkata (urban agglomerations).
| Item | Rule |
|---|---|
| Dearness allowance | 60 % of basic from 1.1.2026 (58 % from 1.7.2025) |
| HRA | X 30 %, Y 20 %, Z 10 % of basic; minimum ₹5,400 / ₹3,600 / ₹1,800 |
| Transport allowance | Level 9+: ₹7,200 / ₹3,600; Levels 3–8: ₹3,600 / ₹1,800; Levels 1–2: ₹1,350 / ₹900 (₹3,600 / ₹1,800 at pay ₹24,200+), plus DA |
| NPS / UPS | Employee 10 % of basic + DA |
| CGEGIS | Group A ₹120, B ₹60, C ₹30 |
| CGHS | Levels 1–5 ₹250, 6 ₹450, 7–11 ₹650, 12+ ₹1,000 |
What is left out
- Income tax — use the income tax calculator on the gross figure.
- Special allowances (risk, hardship, deputation, uniform, children’s education), arrears and overtime.
- Bank (IBA) pay scales and state pay commissions: use “Enter basic pay” with your own DA and HRA rates.
7th & 8th Pay Commission Salary Calculator FAQ
What is SSC CGL salary per month in hand?
At the starting cell with DA 60 % in an X city with higher TA: Level 4 about ₹50,100, Level 5 about ₹56,500, Level 6 about ₹67,300, Level 7 about ₹83,800 and Level 8 about ₹88,500 after NPS and CGEGIS, before income tax. Choose the post above for the exact figure.
How does the 7th pay commission salary calculator work out DA?
DA = basic pay × DA rate. With basic ₹44,900 and DA 60 %, DA is ₹26,940. DA is revised from 1 January and 1 July each year by Department of Expenditure order.
What is the latest DA rate?
60 % from 1 January 2026 (Office Memorandum of 22 April 2026). The July 2026 instalment had not been announced when this page was checked on 19 October 2026.
Which cities are X, Y and Z?
X: Ahmedabad, Bengaluru, Chennai, Delhi, Greater Mumbai, Hyderabad, Kolkata and Pune. Y: other cities on the Department of Expenditure list. Z: everywhere else.
What will the 8th Pay Commission fitment factor be?
Nobody knows yet. The Commission was set up by the Resolution of 3 November 2025 and had not reported by 24 October 2026. The scenarios (1.92 to 2.86) and your own factor are guesses for planning, not announced figures.
How does the 8th pay commission calculator for pensioners work?
Choose “Pensioner”, enter your basic pension and DR. Each scenario multiplies the basic pension by the factor, adds any age-80+ additional pension and restarts DR at 0 — the way the 7th CPC revised pensions by 2.57.
Does it work for state government employees?
Use “Enter basic pay” with your state’s DA and HRA. States appoint their own pay commissions, usually after the central one, so treat the 8th CPC scenarios as a rough guide.
Does this include income tax?
No. It shows in-hand pay before income tax; tax depends on your regime and investments.