In-Hand Salary Calculator — 7th Pay Commission
Enter a pay level or basic pay and get your real monthly in-hand salary — basic + DA + HRA, minus NPS and deductions.
In-hand salary = Basic + DA + HRA + allowances − (NPS + professional tax + income tax). For a pay level 7 post (basic ₹44,900) in an X-class metro with about 55% DA, that works out to roughly ₹70,000–₹78,000 per month before income tax. Set your own pay level, DA and city below for an exact figure.
| Basic pay | — |
| + Dearness Allowance (DA) | — |
| + House Rent Allowance (HRA) | — |
| + Transport / other allowance | — |
| Gross salary | — |
| − NPS contribution | — |
| − Professional tax | — |
| Net in-hand (before income tax) | — |
Last updated: July 2026
How to use this in-hand salary calculator
- Pick your pay level from the dropdown (it auto-fills the basic pay from the 7th CPC pay matrix), or type your basic pay directly.
- Enter the current DA %. Dearness Allowance is revised every January and July — use the latest figure (around 50–55% in 2026).
- Choose your city HRA class — X for metros, Y for other big cities, Z for smaller towns.
- Add any transport/other allowance and set the NPS % and professional tax. Your net in-hand salary updates instantly, with a full component breakdown.
How in-hand salary is calculated (the formula)
Under the 7th Pay Commission, your salary is built up from your basic pay plus allowances, then deductions are subtracted. The formula is:
Gross = Basic + DA + HRA + Transport/other allowanceDA = Basic × (DA% ÷ 100)HRA = Basic × (HRA rate ÷ 100) (30% / 20% / 10% for X/Y/Z cities)NPS = (Basic + DA) × 10%In-hand = Gross − NPS − Professional tax − Income tax
Note two things aspirants often miss: DA and HRA are both calculated on basic pay only (not on gross), and the NPS deduction is 10% of basic + DA (not of basic alone). Income tax depends on your personal declarations and the regime you choose, so it is not fixed here.
Worked example — pay level 7 (₹44,900 basic)
Take an Assistant Section Officer or Inspector post at pay level 7 (basic ₹44,900), posted in an X-class metro, with DA at 55%:
| Component | Calculation | Amount (₹) |
|---|---|---|
| Basic pay | — | 44,900 |
| Dearness Allowance | 44,900 × 55% | 24,695 |
| House Rent Allowance | 44,900 × 30% | 13,470 |
| Gross salary | — | 83,065 |
| Less: NPS | (44,900 + 24,695) × 10% | − 6,960 |
| Less: Professional tax | — | − 200 |
| Net in-hand (pre-tax) | — | ≈ 75,905 |
Add transport allowance (which varies by city and grade) and the figure rises further; subtract income tax and it settles lower. That is why the honest answer for level 7 is a range of roughly ₹70,000–₹78,000, not a single number — and why an interactive calculator beats a fixed table.
What's included and what's not
✅ Included here
- Basic pay (from the pay matrix)
- Dearness Allowance (DA)
- House Rent Allowance (HRA), X/Y/Z
- Transport / other allowance (if you add it)
- NPS deduction (10% of basic + DA)
- Professional tax
❌ Not included
- Income tax (TDS) — depends on your regime & declarations
- DA on transport allowance
- Post-specific allowances (DA linked, uniform, risk, etc.)
- CGHS / medical, if applicable
- Arrears, increments and promotions over time
Frequently asked questions
How is in-hand salary calculated in the 7th Pay Commission?
In-hand salary = Basic pay + Dearness Allowance (DA) + House Rent Allowance (HRA) + Transport Allowance − deductions (NPS, professional tax and income tax). DA is a percentage of basic pay, and HRA is 30%, 20% or 10% of basic for X, Y and Z class cities respectively.
What is the difference between basic pay and in-hand salary?
Basic pay is the fixed core of your salary from the pay matrix. In-hand (net) salary is what actually reaches your bank account after adding allowances like DA and HRA and subtracting deductions like NPS and tax. In-hand is usually much higher than basic once DA and HRA are added.
How much is DA and HRA on a government salary?
DA is a percentage of basic pay revised twice a year; in 2026 it is around 50–55%. HRA is 30% of basic in X-class metro cities, 20% in Y-class cities and 10% in Z-class towns (the rates in force once DA crosses 50%). Always confirm the current DA from the latest DoPT order.
What deductions are taken from a government salary?
The main deductions are the National Pension System (NPS) contribution of 10% of basic plus DA, professional tax (a few hundred rupees, varies by state), CGHS/medical, and income tax (TDS) if your income is taxable. This calculator lets you set NPS and professional tax; income tax depends on your personal declarations.
What is the in-hand salary for pay level 7 or level 6?
A pay level 7 post (basic ₹44,900) works out to roughly ₹70,000–₹78,000 in hand in an X-class city with about 55% DA, and a pay level 6 post (basic ₹35,400) to roughly ₹56,000–₹62,000, before income tax. Enter your exact DA and city above for a precise figure.
Is in-hand salary the same as gross salary?
No. Gross salary is basic plus all allowances (DA, HRA, TA) before any deduction. In-hand salary is gross minus deductions (NPS, professional tax, income tax). The calculator shows both so you can see the difference.
Related tools
- Exam Score Calculator Estimate your marks from the answer key — set the correct/wrong marking (with negative marking) or pick an exam preset. Open tool →
- Photo & Signature Resizer Resize your photo and signature to the exact KB and pixel size an online form demands — in your browser, nothing uploaded. Open tool →
- Typing Speed Test Measure your typing speed and accuracy with sarkari skill-test modes (SSC CHSL/CGL DEST, steno, court) — WPM and error count live. Open tool →
- Age Calculator Find your exact age on any cut-off date and check government-exam eligibility with category age relaxation applied. Open tool →
Disclaimer: This calculator gives an indicative estimate based on the 7th Pay Commission structure. Your actual salary is decided by your department's pay slip, the DA in force, your posting and your tax status — always confirm against official figures.