In-Hand Salary Calculator

Enter your basic pay from your appointment letter or payslip — get the DA, HRA, and deduction math automatically, shown in full.

DA is pre-filled at the most recently verified rate (60%, revised every January and July) — check your latest payslip and update if needed.

Basic Pay
Dearness Allowance (DA)
House Rent Allowance (HRA)
Gross Salary
NPS Deduction
Other Deductions
Estimated In-Hand Salary
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Estimate only — verify against your own payslip. The 7th Pay Commission is currently transitioning to the 8th Pay Commission, so pay structures are unusually volatile right now. This calculator does not assume your basic pay for you — enter it from your actual appointment letter or payslip. DA, HRA percentages, and any allowances not listed here (transport allowance, special pay, etc.) can vary by department and posting location — this gives a close estimate, not an exact figure.

How this calculator works

"What will my in-hand salary actually be?" is one of the most confusing questions for anyone new to a government job — the number on the pay matrix is just the basic pay, not what lands in your account. Dearness Allowance and House Rent Allowance are added on top, and NPS and other deductions are taken off, and most people don't know the exact percentages or how they combine.

This tool automates that arithmetic. It doesn't guess your basic pay for you — pay matrix levels are changing right now as the 8th Pay Commission rolls out, so we ask you to enter your actual basic pay and handle the rest:

Frequently Asked Questions

The 7th Pay Commission is currently transitioning to the 8th Pay Commission, so pay matrix levels are unusually volatile right now. Rather than risk showing an outdated figure, this tool asks for your basic pay directly from your payslip or appointment letter and automates the DA/HRA/deduction math around it, which is the part people actually get wrong.
Dearness Allowance is revised twice a year, in January and July, based on inflation data (AICPI). Always check the latest notified rate before relying on this calculation for an important decision.
Cities are classified X (largest metros, highest HRA), Y (medium cities), and Z (smaller towns, lowest HRA) for House Rent Allowance purposes. Under the 7th Pay Commission, standard rates are 24% (X), 16% (Y), and 8% (Z) of basic pay, revised periodically.