How the estimates are calculated

The formulas

Today’s salary

Basic pay is the pay in your Level of the Pay Matrix. If you type an amount that is not a cell, we use the nearest cell; a tie goes to the higher one.

DA = basic × DA rate (60% from 1 January 2026), rounded to the nearest rupee. Gross pay = basic + DA + HRA + transport allowance (TA). In-hand pay = gross − deductions.

House Rent Allowance (HRA)

HRA is a percentage of basic pay. The percentage depends on the city class (X, Y or Z) and on the DA rate. We take the highest slab whose DA threshold has been reached, work out basic × percentage rounded to the nearest rupee, and use the larger of that and the minimum for the class.

Minimum HRA: ₹5,400 (X), ₹3,600 (Y), ₹1,800 (Z) a month. The order sets no slab beyond DA of 50%. That no further revision applies is our inference from the absence of one.

Special orders are not modelled. For example, HRA at the rates of a nearby city for some postings (Faridabad, Gurgaon, Ghaziabad and Noida are covered by one such order).

Transport Allowance (TA)

TA depends on pay Level and on whether you work in one of the higher-TA cities. The table shows the monthly amounts before DA.

Levels 1 and 2 use the Level 3 to 8 amounts once basic pay reaches ₹24,200.

DA is added on top of TA: TA × (1 + DA rate), as the order provides (“plus DA thereon”).

Special rates, such as the official-car option at the higher Levels and doubled TA for persons with disabilities, are not modelled.

Deductions

• NPS or UPS: the employee pays 10% of basic + DA. The matching Government contribution does not reduce your pay.
• GPF: at least 6% of basic pay. We apply it to basic pay only. That DA is left out is inferred from the wording of the Rules, which do not name dearness allowance. The Rules also fix the subscription on the previous 31 March emoluments; we use current basic pay.
• CGHS monthly subscription, by Level:

CGEGIS (group insurance): ₹120 for Group A, ₹60 for Group B, ₹30 for Group C. The rates date from 1990 and were not revised after the 6th or 7th CPC.

We assign the group from your Level using the Department of Personnel order: Group A is Levels 10 to 18, Group B is Levels 6 to 9, Group C is Levels 1 to 5. Your actual group follows your post, so the calculator lets you change it.

Not included: income tax, professional tax (it is state-specific), loans and other recoveries. In-hand pay here is before all of these.

In-hand pay = gross pay − (NPS/UPS or GPF + CGHS + CGEGIS). †assumption A7

Projected salary at a fitment factor

New basic = today’s basic × fitment factor, rounded up to the next ₹100 (A3). We then recompute the rest on the new basic: DA 0% (A4), HRA at the 24/16/8% slab (A5), TA at the same amounts, chosen using today’s basic (A6), and deductions on the new figures (A7).

The difference is shown per month and per year (× 12).

Real increase

Real increase = fitment factor ÷ (1 + current DA) − 1, to one decimal place (A10). At a factor of 2.57 and DA of 60% that is 60.6%.

Arrears

From the assumed effective date (A1) to the month you choose, each month’s arrears = new basic − (today’s basic + DA at the rate in force that month). For months after the latest announced DA we use the latest announced rate and say so. Arrears are on pay and DA only, with no allowances and no annual increments (A8).

Pension and family pension

Basic pension is 50% of last pay drawn, within a minimum of ₹9,000 and a maximum of ₹1,25,000. If you enter a pension instead, we use it as given and approximate last pay as twice the pension (labelled in the calculator).

Additional pension is paid from age 80, as a percentage of basic pension:

Dearness Relief = DA rate × (basic pension + additional pension). Total = basic pension + additional pension + DR.

At a fitment factor, new basic pension = basic pension × factor, rounded up to the rupee. The minimum and maximum pension scale by the same factor, additional pension is recomputed, and DR restarts at 0 (A9).

Family pension: the normal rate is 30% of last pay, between ₹9,000 and ₹75,000. The enhanced rate is 50% of last pay, up to ₹1,25,000, for a limited period (after retirement: 7 years or until age 67, whichever earlier; in service: 10 years). Projected family pension scales the limits by the factor.

Assumptions A1 to A11

The 8th CPC has not decided any of these. Each is our modelling choice, with the reason for it.

Rounding: Rule 7 and our assumption A3

The 7th CPC Rules (Rule 7) multiply existing pay by 2.57, round to the nearest rupee, then fix pay at the matching cell or the next higher cell of the Level. We cannot do that for the 8th CPC because there is no new matrix, so A3 rounds the product up to the next ₹100. Every cell in the matrix is a multiple of ₹100, so A3 never gives more than the next-cell rule would for the same product. †assumption A3

Example at the 7th CPC factor: Level 6, basic ₹35,400 × 2.57 = ₹90,978. Rule 7 would fix pay at the next higher cell, ₹91,400. A3 gives ₹91,000.

The 3% step between cells and its rounding to ₹100 are inferred from the matrix, not quoted from a rule.

Fitment factor explained

Known limitations

• The fitment factor, the new pay matrix, the effective date and the revised allowances are all undecided. Anything beyond today’s salary is a what-if.
• One factor is applied to every Level. The Commission could recommend otherwise.
• In-hand pay excludes income tax, professional tax, loans and other recoveries.
• Basic pay here means pay in the Level. Non-practising allowance, special pay and other add-ons are not modelled.
• City class and the higher-TA list follow the published annexure. Special orders and posting-specific rules are not modelled.
• The CGEGIS group follows your Level unless you change it; your real group follows your post.
• Arrears ignore allowances and increments.
• If you enter a pension, last pay is approximated as twice the pension.
• Data files carry a last-checked date. A rate announced after that date will not appear until we update the file.

Sources

This table is generated from the data files that drive every number on the site. Each row is one cited source and the fact it supports.

Secondary only: we could not find the primary document and relied on a secondary website. Inference: not stated in the source but inferred from it. Assumption: our modelling choice.

Pay Matrix and fixation rule (4 sources)

Dearness Allowance (39 sources)

House Rent Allowance (2 sources)

City classification (2 sources)

Transport Allowance (3 sources)

Deductions (10 sources)

Pension (7 sources)

8th Pay Commission status (32 sources)

Fitment factor (26 sources)

Assumptions (20 sources)

Typical posts by Level (23 sources)