In-Hand Salary Calculator — 7th CPC

Basic pay is about half your salary

A recruitment notice says “Pay Level 6, ₹35,400” and most readers treat that as the salary. It is the starting point. At the current 60% DA rate, a Level 6 employee in an X-class city grosses ₹73,020 and takes home ₹66,876 — because DA alone adds 60% of basic and HRA another 30%.

Transport Allowance follows your level, not your city

This is the single most common error in salary breakdowns found online. The rate is fixed by pay level: ₹7,200 at Level 9 and above, ₹3,600 at Levels 3 to 8, and ₹1,350 at Levels 1 and 2. City class only decides whether you draw that higher column or the lower one (₹3,600 / ₹1,800 / ₹900). At your current selection the base rate is ₹3,600.

Transport Allowance is also the one component where DA applies to something other than basic pay. At 60% DA, a ₹3,600 allowance is actually worth ₹5,760 a month. Levels 1 and 2 drawing a basic of ₹24,200 or more move up to the Level 3-8 rate.

HRA and DA do not stack

Both are percentages of basic pay, computed independently. HRA is not calculated on basic plus DA, and DA is not calculated on basic plus HRA. Once DA crossed 50% in January 2024, HRA was restored to 30%, 20% and 10% for X, Y and Z cities, and further DA increases no longer change those percentages.

Note that the HRA you receive and the HRA that is tax-free are different numbers. Under the old regime the exempt portion is the least of three figures under Rule 2A; under the new regime none of it is exempt. The HRA exemption calculator works out which part of yours actually escapes tax.

What gets deducted, and why the percentage jumps

Four things come out: NPS at 10% of basic plus DA, CGHS by pay level (₹250 to ₹1,000), CGEGIS by group (₹30, ₹60 or ₹120), and income tax. Up to Level 6 the total sits around 8 to 9% of gross, because the tax is nil and only the fixed items apply. From Level 10 the tax starts and the share climbs quickly — about 14% at Level 10 and roughly 24% at Level 13. The fixed deductions barely move; tax does all the work.

The 14% you never see

The government contributes 14% of basic plus DA to your NPS account on top of your own 10%. It is absent from the in-hand figure because it never touches your bank account, but it is unambiguously part of your pay. At Level 6 that is ₹7,930 a month. The NPS calculator projects what three decades of both contributions compound into.

What this calculator leaves out

Department-specific allowances are excluded on purpose. Ration money, uniform allowance, risk and hardship allowance, night duty allowance and overtime all depend on your post rather than your pay level, so no general tool can infer them. Add them to the gross figure above. An understated number you can adjust upward is more useful than an invented one you have to unpick.

When these numbers change

DA is revised twice a year, effective 1 January and 1 July. Moving the DA slider above to 63% shows the expected July 2026 revision; the DA calculator works out the arrears that come with it. The annual increment of 3% of basic lands on 1 January or 1 July depending on your qualifying service, and because DA and HRA are percentages of basic, the gross effect is close to 1.9 times the increment itself. Further out, the 8th Pay Commission is expected to report around May 2027, which will revise basic pay and reset DA to zero — the 8th CPC calculator models that correctly.