By Vishvas Yadav
About the author
Founder of HR Calcy and an independent HR and payroll consultant with 16+ years in Indian HR and payroll. PGDM in Human Resources from XLRI Jamshedpur, ISO 9001:2015 and ISO 27001:2022 Lead Auditor, with HR and payroll software implementations for multinational companies across several countries. Advises on payroll and statutory compliance, labour law (PF, ESI, CLRA, gratuity and bonus) and wage structuring. Based in Bengaluru, Karnataka.
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7th Pay Commission Salary Calculator: Use this 7th Pay Commission Salary Calculator to work out your gross salary, deductions and net take-home pay under current pay rules. This free 7th CPC salary calculator helps Central Government employees calculate their monthly salary from pay level, basic pay, DA, HRA city class and transport allowance, with:
- the official 7th CPC pay matrix, every level and cell;
- DA at 60% from 1 January 2026, HRA at 30/20/10% with the minimum amounts, and transport allowance with DA on it;
- NPS or UPS, GPF, CGHS, an income tax estimate and professional tax for your state;
- any other allowances or deductions you add.
All calculations update instantly as you change inputs. No sign-up is needed, and nothing you enter leaves your device.
7th Pay Commission Salary Calculation Formula
Basic pay is your cell in the 7th CPC pay matrix. DA is 60% of basic pay from 1 January 2026. HRA is 30%, 20% or 10% of basic pay for X, Y and Z cities. Transport allowance depends on your level and city, with DA paid on it too.
7th CPC Salary Rates in Force (October 2026)
| Element | Rate |
|---|---|
| Dearness allowance | 60% of basic pay from 1 January 2026 (approved by the Cabinet on 18 April 2026); the July 2026 instalment had not been announced as of 22 October 2026 |
| HRA | 30% (X), 20% (Y), 10% (Z) of basic pay since DA reached 50% on 1 January 2024; minimum ₹5,400, ₹3,600 and ₹1,800 |
| Transport allowance | ₹7,200 / ₹3,600 (Level 9 and above), ₹3,600 / ₹1,800 (Levels 3 to 8, and Levels 1 and 2 on pay of ₹24,200 or more), ₹1,350 / ₹900 (Levels 1 and 2), in higher TPTA cities / other places, plus DA |
| NPS or UPS | Employee 10% of basic + DA; Government 14% (NPS) or 18.5% (UPS) |
| CGHS | ₹250 (Levels 1 to 5), ₹450 (Level 6), ₹650 (Levels 7 to 11), ₹1,000 (Level 12 and above) a month |
| Annual increment | 3% of basic pay, taking you to the next cell, on 1 January or 1 July |
| Income tax | New regime for tax year 2026-27: ₹75,000 standard deduction, no tax up to ₹12 lakh of taxable income with marginal relief above it |
For DA history and arrears, see the DA calculator.
7th Pay Commission Salary Example: Level 1 (Calculator Default)
Level 1, first cell, X city, higher TPTA city, Maharashtra, NPS and CGHS:
| A month | Working | Amount |
|---|---|---|
| Basic pay | Level 1, cell 1 | ₹18,000 |
| DA | 60% of ₹18,000 | ₹10,800 |
| HRA | 30% of ₹18,000 (the ₹5,400 minimum) | ₹5,400 |
| Transport allowance + DA on it | ₹1,350 + 60% | ₹2,160 |
| Gross pay | ₹36,360 | |
| NPS | 10% of ₹28,800 | ₹2,880 |
| CGHS and professional tax | ₹250 + ₹200 | ₹450 |
| Net pay | ₹33,030 |
7th Pay Commission Salary by Level
Gross and net pay at the entry cell of every level, with DA at 60%, X city, higher TPTA city, NPS, CGHS, Maharashtra professional tax and new-regime income tax:
| Level | Basic pay | Gross pay | Income tax | Net pay |
|---|---|---|---|---|
| 1 | ₹18,000 | ₹36,360 | ₹0 | ₹33,030 |
| 2 | ₹19,900 | ₹39,970 | ₹0 | ₹36,336 |
| 3 | ₹21,700 | ₹46,990 | ₹0 | ₹43,068 |
| 4 | ₹25,500 | ₹54,210 | ₹0 | ₹49,680 |
| 5 | ₹29,200 | ₹61,240 | ₹0 | ₹56,118 |
| 6 | ₹35,400 | ₹73,020 | ₹0 | ₹66,706 |
| 7 | ₹44,900 | ₹91,070 | ₹0 | ₹83,036 |
| 8 | ₹47,600 | ₹96,200 | ₹0 | ₹87,734 |
| 9 | ₹53,100 | ₹1,12,410 | ₹6,161 | ₹96,903 |
| 10 | ₹56,100 | ₹1,18,110 | ₹7,050 | ₹1,01,234 |
| 11 | ₹67,700 | ₹1,40,150 | ₹10,518 | ₹1,17,950 |
| 12 | ₹78,800 | ₹1,61,240 | ₹14,905 | ₹1,32,527 |
| 13 | ₹1,23,100 | ₹2,45,410 | ₹38,218 | ₹1,86,296 |
| 13A | ₹1,31,100 | ₹2,60,610 | ₹42,960 | ₹1,95,474 |
| 14 | ₹1,44,200 | ₹2,85,500 | ₹50,726 | ₹2,10,502 |
| 15 | ₹1,82,200 | ₹3,57,700 | ₹73,252 | ₹2,54,096 |
| 16 | ₹2,05,400 | ₹4,01,780 | ₹87,005 | ₹2,80,711 |
| 17 | ₹2,25,000 | ₹4,39,020 | ₹1,08,487 | ₹2,93,333 |
| 18 | ₹2,50,000 | ₹4,86,520 | ₹1,24,789 | ₹3,20,531 |
Income tax is spread evenly over 12 months; your drawing office deducts it according to your declarations. For every cell of every level, see the 7th Pay Commission pay matrix.
HRA Under the 7th CPC
| DA | X city | Y city | Z city |
|---|---|---|---|
| Below 25% | 24% | 16% | 8% |
| Above 25% | 27% | 18% | 9% |
| 50% and above (from 1 January 2024) | 30% | 20% | 10% |
| Minimum HRA | ₹5,400 | ₹3,600 | ₹1,800 |
The rates are from the Finance Ministry's OM of 7 July 2017. HRA is not paid to employees in Government accommodation.
How DA Changes Your Salary
DA is paid on basic pay and on transport allowance, so each 1% of DA adds 1% of basic pay plus 1% of TA to your gross. For Level 7 on ₹44,900 in a higher TPTA city, each 1% adds ₹485 a month. NPS rises with it, by 10% of the DA on basic pay. Change the DA % in the calculator to see the effect of the next instalment.
7th Pay Commission at a Glance
- Effective from 1 January 2016, with a fitment factor of 2.57 on 6th CPC pay (pay in pay band + grade pay).
- Pay matrix of 18 levels plus 13A, each level made of cells 3% apart; minimum pay ₹18,000, maximum ₹2,50,000.
- Pay fixation on 1 January 2016: 6th CPC basic pay × 2.57, rounded to the nearest rupee, then the same or next higher cell in the level.
- Next revision: the 8th Pay Commission, constituted on 3 November 2025, is due to report by about May 2027. Compare your pay with the 8th Pay Commission salary calculator.
Which HR Calcy Calculator to Use
| You want | Calculator |
|---|---|
| Today's salary under the 7th CPC: gross, deductions and net pay | This 7th Pay Commission salary calculator |
| Every level and cell of the 7th CPC pay matrix | 7th Pay Commission pay matrix |
| DA at 60%, DA history and arrears | DA calculator |
| Salary under the 8th CPC, compared with today | 8th Pay Commission salary calculator |
| Basic pay at any fitment factor | 8th CPC fitment factor calculator |
| 7th CPC pension | Pension calculator |
About the Calculator
How to Use This 7th Pay Commission Salary Calculator
- Select your state for professional tax (and gender in Maharashtra).
- Choose your HRA city class, pay level and basic pay cell, as on your pay slip.
- Choose your transport allowance city and enter the DA % (60% now).
- Choose NPS/UPS, GPF or no NPS, and switch NPS, CGHS and income tax on or off.
- Add any other allowances or deductions; remove a row with × or the Remove button.
- Read gross pay, deductions and net pay, with the full breakdown and chart. Use Copy to keep the result.
How the Figures Are Worked Out
The pay matrix is built cell by cell at 3% steps rounded to ₹100, which reproduces the official 7th CPC matrix (Level 1 ends at ₹56,900, Level 7 at ₹1,42,400). DA is the DA % of basic pay. HRA follows the 7 July 2017 OM, with the minimum amounts. Transport allowance follows the same OM, with DA on it. NPS is 10% of basic + DA. CGHS is by level. Professional tax follows each state's notified schedule on your gross pay. Income tax is the new regime for tax year 2026-27, with the ₹75,000 standard deduction, marginal relief near ₹12 lakh, surcharge where due and 4% cess, spread over 12 months.
Assumptions and Limitations
- Designed for Central Government civilian employees under the 7th CPC; salary is monthly.
- Promotions, MACP, arrears and department-specific allowances are not included unless you add them.
- Income tax is an estimate under the new regime; the old regime with deductions may differ.
- Your department's pay slip and orders decide your actual pay.
Frequently Asked Questions
How is salary calculated under the 7th Pay Commission?
Gross pay is basic pay from the pay matrix plus DA (60% of basic), HRA (30/20/10% of basic), transport allowance and DA on it. Net pay is gross pay less NPS (10% of basic + DA), CGHS, professional tax and income tax.
What is the current DA under the 7th Pay Commission?
60% of basic pay from 1 January 2026. The July 2026 instalment had not been announced as of 22 October 2026.
What is the salary of Level 1 under the 7th Pay Commission?
At the first cell, basic pay ₹18,000 plus DA ₹10,800, HRA ₹5,400 (X city) and TA with DA ₹2,160 gives gross pay of ₹36,360. After NPS, CGHS and Maharashtra professional tax, net pay is ₹33,030.
What is the salary of Level 7 under the 7th Pay Commission?
At the first cell, basic pay ₹44,900 gives gross pay of ₹91,070 in an X city with higher TPTA transport allowance, and net pay of about ₹83,036 after NPS, CGHS and professional tax.
What are the HRA rates under the 7th CPC?
30%, 20% and 10% of basic pay for X, Y and Z cities since DA reached 50% on 1 January 2024, with minimums of ₹5,400, ₹3,600 and ₹1,800.
How much is transport allowance under the 7th CPC?
₹7,200 a month for Level 9 and above, ₹3,600 for Levels 3 to 8 and ₹1,350 for Levels 1 and 2 in the higher TPTA cities (₹3,600, ₹1,800 and ₹900 elsewhere), plus DA. Levels 1 and 2 on pay of ₹24,200 or more get the Level 3 to 8 rate.
How much NPS is deducted from salary?
10% of basic pay + DA under both NPS and UPS. The Government contributes 14% under NPS and 18.5% under UPS. Employees on the old pension scheme subscribe to GPF instead.
How much is the CGHS contribution?
₹250 a month for Levels 1 to 5, ₹450 for Level 6, ₹650 for Levels 7 to 11 and ₹1,000 for Level 12 and above.
What was the fitment factor of the 7th Pay Commission?
2.57, applied to 6th CPC pay from 1 January 2016. It took the minimum pay from ₹7,000 to ₹18,000.
When is the annual increment given under the 7th CPC?
3% of basic pay, which moves you to the next cell of your level, on 1 January or 1 July depending on your date of joining or promotion.
Is income tax deducted on 7th CPC salary?
Under the new regime for tax year 2026-27 there is no tax up to ₹12 lakh of taxable income after the ₹75,000 standard deduction. At entry pay, Levels 1 to 8 pay no income tax; Level 9 pays about ₹6,161 a month.
Does this calculator include professional tax?
Yes. Choose your state: the calculator applies that state's notified schedule, including ₹300 in February in Maharashtra and Karnataka. States such as Delhi and Uttar Pradesh levy none.
Disclaimer. This 7th Pay Commission salary calculator uses the standard pay matrix, allowance rates and deduction rules. Always verify final figures with official notifications or your department's pay section.