7th CPC Salary Calculator & Career Simulator
Compute Central Government monthly in-hand take-home salary across Levels 1 to 18 with active 50% DA, or simulate your complete multi-decade career progression, 8th CPC hike, and NPS retirement wealth.
Salary Input Parameters
Itemized Pay Breakdown
| Basic Pay (Level 7) | ₹ 44,900 |
| Dearness Allowance (DA @ 50%) | ₹ 22,450 |
| House Rent Allowance (HRA @ 30%) | ₹ 13,470 |
| Transport Allowance (TA + DA on TA) | ₹ 5,400 |
| Gross Monthly Pay | ₹ 86,220 |
Monthly Deductions
| NPS Tier-1 (10% of Basic + DA) | ₹ 6,735 |
| CGHS + CGEGIS | ₹ 710 |
| Professional Tax | ₹ 200 |
7th CPC Pay Matrix & Allowance Rules
HRA City Categorisation
When DA reaches 50%, HRA rates shift from 27/18/9% to 30% for Class X (population 50 lakh+), 20% for Class Y (population 5-50 lakh), and 10% for Class Z (population under 5 lakh). Minimum floors of ₹5,400, ₹3,600, and ₹1,800 apply.
Transport Allowance (TPTA)
TPTA is categorized into Higher TPTA cities (Delhi, Mumbai, Bengaluru, etc.) and Other Places. Levels 1-2 receive ₹1,350/₹900; Levels 3-8 receive ₹3,600/₹1,800; Levels 9+ receive ₹7,200/₹3,600. In addition, DA is paid on the base TA amount.
NPS & Unified Pension Scheme
Under standard NPS, employee contribution is 10% of (Basic + DA) and employer contribution is 14%. Under the newly announced Unified Pension Scheme (UPS), government contribution increases to 18.5%, guaranteeing 50% of the last 12 months average basic pay as pension.
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