7th Pay Commission Salary Calculator
Pick your pay matrix level and cell to get basic pay, DA, HRA, transport allowance, NPS deduction and your net in-hand salary.
- Free — no sign-up
- Instant, on-screen results
- Built by our CA · CS team
- Rules cited on the page
Enter your figures — the result on the right updates as you type.
Your monthly payslip
| Earnings | Amount |
|---|
| Deductions | Amount |
|---|
Old regime or new regime on a government salary?
HRA exemption, NPS 80CCD(2) and standard deduction change the answer — get your ITR reviewed by a CA.
Disclaimer: This calculator implements the 7th CPC pay matrix and the standard DA, HRA and TPTA rules for central government employees. Ministry-specific allowances, NPA, deputation allowance, arrears and income tax are not included. State government pay matrices differ. Always reconcile against your official payslip.
How the 7th CPC pay matrix works
The 7th Pay Commission replaced pay bands and grade pay with a single pay matrix: 18 levels running down the page, 40 cells running across. Your level is fixed by your post; your cell is fixed by how many annual increments you have earned. Each cell is exactly 3% above the previous one, rounded to the nearest ₹100 — so the annual increment is automatic and needs no separate calculation.
Everything else follows from basic pay. DA is a percentage of basic. HRA is a percentage of basic. NPS is 10% of basic plus DA. Only transport allowance breaks the pattern — it is a flat amount by level and city, on which DA is then paid.
Entry pay by level
Cell 1 of each level — the minimum basic pay for that level.
| Level | Entry basic | Typical post |
|---|
HRA and transport allowance rates
HRA rose to 30/20/10% once DA crossed 50%. Transport allowance is a flat figure by level, and DA is paid on top of it.
| Pay level | Higher TPTA city | Other place |
|---|---|---|
| Level 9 and above | ₹7,200 | ₹3,600 |
| Level 3 to 8 | ₹3,600 | ₹1,800 |
| Level 1 & 2, basic ₹24,200 or more | ₹3,600 | ₹1,800 |
| Level 1 & 2, basic below ₹24,200 | ₹1,350 | ₹900 |
Worked example
A Level 7 employee at cell 1 (basic ₹44,900) posted in a Y-class city that is also a higher TPTA city, with DA at 58%.
Key terms explained
Level vs cell
Your level is the post you hold and changes only on promotion or MACP. Your cell moves one step every 1 July, giving the 3% annual increment.
Dearness Allowance
Inflation compensation linked to the AICPI-IW index, revised with effect from 1 January and 1 July each year. It is fully taxable and forms part of the base for NPS and TPTA.
HRA exemption
HRA is received in full but is partly tax-exempt under Section 10(13A) if you actually pay rent — and only under the old regime. The new regime taxes it entirely.
NPS vs UPS
Employees who joined on or after 1 January 2004 are in NPS, contributing 10% of basic + DA with a 14% government share. The Unified Pension Scheme is an alternative option with the same employee contribution.
How the 7th Pay Commission Salary works
4 steps, start to finish — the same order the tool follows.
- 01Pick your pay level and stage, or enter your basic pay directly.
- 02Enter the current DA rate and select your city class for HRA.
- 03Add TA and any other allowances that apply to your post.
- 04Read the gross salary, the deductions and the in-hand figure.
Questions people ask
Short answers on 7th Pay Commission Salary. Tap a question to open it.
01How is 7th Pay Commission salary calculated?
Gross salary = basic pay from the pay matrix + dearness allowance + house rent allowance + transport allowance + other allowances. Basic pay comes from the level and stage in the matrix; DA is a percentage of basic pay revised twice a year by an office memorandum.
02What is the fitment factor of 2.57?
It is the multiplier used to convert pre-2016 basic pay (pay in the pay band plus grade pay) into the 7th CPC pay matrix. The product is rounded up to the nearest cell in the relevant level, which is why two people on slightly different old pay can land on the same new stage.
03How is HRA calculated for central government employees?
HRA is a percentage of basic pay by city classification — X (metro), Y and Z cities each carry a different rate, and the rates step up as DA crosses 25% and 50%. HRA is exempt from tax to the extent worked out under s.10(13A) of the Income-tax Act, which the HRA calculator computes.
04What is the annual increment under the 7th CPC?
Three per cent of basic pay, which moves you one stage down the same level in the pay matrix. Increments fall due on 1 January or 1 July depending on when you were appointed or last promoted.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.