What Will Your Government Salary Actually Be?
Your offer letter shows basic pay — but what lands in your bank account after DA, HRA, NPS cuts and tax is a very different number. Find out in seconds.
Enter Your Pay Details
Estimated In-Hand Salary
₹62,164/month
Gross Salary
₹68,028
* Approximate calculation. Actual salary varies based on posting city, HTC, CGHS zone, professional tax, and optional allowances. Tax under New Regime FY 2026-27.
Annual Gross
₹8,16,336
Annual Deductions
₹70,368
Annual In-Hand
₹7,45,968
Where Does Each Number Come From?
- Basic Pay — pulled directly from the 7th CPC Pay Matrix. Your appointment letter will have your Level and Cell. If you've had increments, move the cell up by one for each year of service.
- DA (Dearness Allowance) — set at 58% right now, revised every January and July. It's the government's way of adjusting your pay for inflation. Drag the slider to see what the next hike means for you.
- HRA — depends entirely on which city you're posted in. Metro postings (X-class) get 24% of basic, large cities 16%, everything else 8%. This one varies the most across employees.
- Transport Allowance — fixed at ₹3,600/month for metro cities and ₹1,800 elsewhere. Small, but it's there.
- NPS deduction — 10% of your basic pay goes to your pension fund every month. Your employer (the government) adds 14% on top — that part doesn't reduce your take-home.
- Tax estimate — calculated under the New Tax Regime for FY 2026-27 with a ₹75,000 standard deduction. If you're on the old regime or claiming HRA exemption, your actual tax will differ.
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Frequently Asked Questions
That ₹35,400 is just your basic pay — the starting point. By the time DA (58%), HRA, and Transport Allowance are added, your gross goes up significantly. Then NPS (10% of basic), CGHS subscription, and tax come out. For a Level 6 employee in a metro, you'll typically take home somewhere between ₹55,000–₹65,000 depending on tax liability. This calculator shows you the full picture.
Actually, no — and this surprises a lot of people. When DA crossed 50%, HRA rates were reduced from 27%/18%/9% to 24%/16%/8%. The idea was to partially offset the DA increase, so the net effect was still positive but HRA itself came down as a percentage. Our calculator uses the current revised rates.
Your Cell number is your increment stage within your pay level. If you just joined, you're at Cell 1. Every July, after your annual increment, you move up one cell. So if you've been in service for 5 years, you're roughly at Cell 5 or 6. Check your most recent salary slip — it will show your current basic pay, and you can match that to the correct cell in the dropdown.
Government employees at lower pay levels often pay very little income tax under the New Regime because the ₹75,000 standard deduction, the NPS deduction (10% of basic), and the ₹3 lakh basic exemption together wipe out most of the taxable income. Employees at Level 1–5 typically pay zero income tax. The tax kicks in more noticeably from Level 7 onwards.
State government employees often follow a modified version of the central pay matrix. Some states have adopted 7th CPC scales directly, others have their own pay commission recommendations with different fitment. DA rates also differ by state. This calculator is accurate for central government (GoI) employees. State employees should use it as an approximate guide only.