7th Pay Commission Salary Calculator
Free · no login · runs on your deviceLast reviewed by NaukriZila Editorial Team
Quick answer
Under the 7th Pay Commission, gross salary = basic pay + dearness allowance (DA) + house rent allowance (HRA) + transport allowance. HRA is 30%, 20% or 10% of basic for X, Y and Z cities. In-hand salary is gross minus deductions such as NPS (10% of basic + DA). For example, Level 7 starts at a basic pay of ₹44,900.
| Basic pay | ₹44,900 |
|---|---|
| DA (58%) | ₹26,042 |
| HRA (20%) | ₹8,980 |
| Transport allowance + DA | ₹2,844 |
| Gross salary | ₹82,766 |
| NPS (your 10%) | − ₹7,094 |
| Approx. in-hand | ₹75,672 |
| Cost to government (incl. 14% NPS) | ₹92,698 |
Estimate under the 7th Pay Commission. Income tax, CGHS, GIS and other deductions are not included. Bank and PSU jobs use their own pay scales. When the 8th Pay Commission is implemented, figures will change.
How to use the Salary Calculator
- 1Pick the pay levelThe notification lists a pay level (for example “Level 7” or “Pay Matrix Level-4”). Select it to load the entry basic pay.
- 2Enter the DA rateType the latest DA percentage announced by the government.
- 3Choose the city classSelect X (metro), Y (large city) or Z (other places) for HRA.
- 4Add years of serviceMove the slider to see your basic pay after yearly 3% increments.
- 5Read gross and in-handSee DA, HRA, transport allowance, NPS deduction and the approximate in-hand salary — monthly or yearly — and compare with another level.
7th CPC pay matrix — entry basic pay by level
| Pay level | Entry basic pay | Typical posts |
|---|---|---|
| Level 1 | ₹18,000 | MTS, Railway Group D |
| Level 2 | ₹19,900 | LDC / JSA (SSC CHSL) |
| Level 3 | ₹21,700 | Constable (GD) |
| Level 4 | ₹25,500 | Postal / Sorting Assistant, DEO |
| Level 5 | ₹29,200 | DEO Grade A (some departments) |
| Level 6 | ₹35,400 | Junior Engineer, Junior Hindi Translator |
| Level 7 | ₹44,900 | Inspector, Assistant Section Officer, Sub-Inspector |
| Level 8 | ₹47,600 | Assistant Audit Officer |
| Level 10 | ₹56,100 | Group A entry (IAS, IPS, IFS) |
Bank and PSU salaries follow their own scales, not the 7th CPC matrix.
What is included in the estimate
- DA (dearness allowance) is a percentage of basic pay revised twice a year.
- HRA is 30% / 20% / 10% of basic for X / Y / Z class cities once DA crosses 50%.
- Transport allowance depends on pay level and city, plus DA on it.
- NPS deduction is 10% of basic pay plus DA for employees under the National Pension System.
- Income tax, CGHS, GIS and other small deductions are not included, so actual in-hand pay may be slightly lower.
Frequently Asked Questions
What is the starting basic pay at Level 7?+
The entry pay for Level 7 in the 7th CPC pay matrix is ₹44,900.
How much HRA is paid?+
Once DA is above 50%: 30% of basic in X cities, 20% in Y cities and 10% in Z cities.
What is the difference between gross and in-hand salary?+
Gross salary is the total of basic pay and allowances. In-hand salary is what remains after deductions such as NPS, income tax and insurance.
How often does DA change?+
The central government usually revises DA twice a year, effective from January and July.
Does this apply to state government jobs?+
Many states follow a similar pay matrix, but levels, DA and HRA rates can differ. Use the values from your state’s notification.
Will the 8th Pay Commission change these numbers?+
Yes. When the 8th Pay Commission is implemented, the pay matrix and allowances will be revised.
How much does basic pay increase every year?+
The annual increment is 3% of basic pay, rounded to the nearest ₹100. For Level 7 that is ₹44,900 → ₹46,200 → ₹47,600.
Requirements differ between recruitments. Always follow the official notification of the exam you are applying for.