Accurate net salary computation for Central & State Government employees. Updated with DA 60% (Jan 2026).
Enter your pay details and click Calculate to see your complete salary breakdown.
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DA rates, HRA slabs, and NPS rules are updated immediately after each Cabinet revision. You always get current correct figures.
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The 7th Central Pay Commission (7th CPC), implemented from January 2016, restructured pay scales for over one crore Central Government employees and pensioners. Understanding your actual in-hand salary requires computing both earnings and deductions accurately - a task that confuses most employees.
Under the 7th CPC, salaries are organised into a Pay Matrix with 18 Pay Levels. Level 1 starts at Rs.18,000 (MTS/Group C) while Level 18 reaches Rs.2,50,000 (Cabinet Secretary). Your level broadly corresponds to the old Grade Pay structure. Basic Pay increases by 3% every July 1 as Annual Increment, subject to completing at least 6 months in the pay level.
DA is revised twice yearly - effective January 1 and July 1 - based on the All India Consumer Price Index for Industrial Workers (AICPI-IW). Effective January 2026, the DA rate stands at 60% of Basic Pay, announced by the Union Cabinet in March 2025. DA is fully taxable and forms a substantial portion of your gross pay. When DA crosses 50%, HRA rates are revised upward by 3 percentage points.
HRA depends on the city classification of your posting. X-class cities (population above 50 lakh) attract 27% of basic pay; Y-class cities (state capitals and cities with 5-50 lakh population) attract 18%; all remaining Z-class cities attract 9%. Since DA has now crossed 50%, the enhanced HRA rates (3% higher) are in force.
TA is a fixed monthly allowance based on Level and city. Officers in Level 9 and above in X cities receive Rs.7,200 + DA; other employees receive Rs.3,600 + DA monthly. TA is partially exempt from income tax under certain conditions as per CBDT circulars.
Basic Pay Rs.44,900 + DA @55% = Rs.24,695 + HRA @18% = Rs.8,082 + TA Rs.3,600 gives Gross = Rs.81,277. Deductions: NPS Rs.6,960 + CGHS Rs.350 + TDS Rs.800 = Rs.8,110. Take-Home = Rs.73,167 per month, or approximately Rs.8.78 lakh per year.
The current Dearness Allowance rate is 60% of basic pay, effective January 2026, announced by the Union Cabinet in March 2025. DA is revised bi-annually and the next revision (July 2025 installment) is expected around September 2025.
HRA received by government employees is partially or fully exempt under Section 10(13A). The exempt amount is the least of: actual HRA received, 50% of Basic+DA for metro cities or 40% for non-metro, and actual rent paid minus 10% of Basic+DA. Use our HRA Calculator for exact exemption amount.
Government employees with HRA exemption, NPS 80CCD(1B), Section 80C investments, and home loan deductions typically benefit from the Old Regime. If your total deductions are under Rs.1.5 lakh, the New Regime's lower slab rates may be more beneficial. Use our Income Tax Calculator to compare both regimes.
For Central Government employees covered under NPS, the government contributes 14% of (Basic + DA) to your Tier I NPS account. This is over and above your 10% employee contribution, making the total NPS contribution 24% of your Basic+DA - a significant wealth-building benefit not visible in the monthly salary slip.