Get instant calculations for Central Government Employees, State Government Employees, PSU, Pensioners and more. Built on the official 7th CPC pay matrix, with every 8th CPC fitment scenario clearly labelled as a projection.
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Calculate salary for Central Government Employees under 8th CPC
Calculate salary for State Government Employees under 8th CPC
Calculate salary for Public Sector Undertaking employees
Calculate revised pension under 8th Pay Commission
Understand and calculate fitment factors for your salary
Calculate gratuity benefits under 8th Pay Commission
NewEstimate House Rent Allowance for X/Y/Z classified cities
NewSee how inflation erodes your revised salary over time
NewFind your cell and view the full projected 8th CPC pay matrix.
NewMonth-wise Basic + DA arrears from January 2026
NewAll 40 cells of Level 8 with projected gross and in-hand pay.
NewYour salary at the NC-JCM demand of 3.833x (₹69,000 minimum).
NewFree PDF: projected pay matrix at 1.92x, 2.28x, 2.57x & 3.83x.
NewLevel-wise & post-wise salary structure, now vs 8th CPC.
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Stay informed with the latest news and updates
The Commission has held sittings in 11+ cities since May 2026. Bengaluru (7–8 Oct) and Mumbai (22–23 Oct) are next; Mumbai requests close 10 October.
Read More →CPI-IW data fixes July 2026 DA at 63%. Level-wise increase, arrears, the Government’s "no DA merger" stand and the 8th CPC link.
Read More →Every staff-side demand to the 8th CPC — 6% increment, HRA 40/35/30%, level mergers and pension — explained with numbers.
Read More →Verified dates so far and the steps before revised pay reaches employees.
Read More →No official factor yet — the figures in discussion and how it is worked out.
Read More →Arrears expected from 1 January 2026 — how they will be calculated and taxed.
Read More →The 8th Central Pay Commission was constituted on 3 November 2025 under Justice Ranjana Prakash Desai to review the pay, allowances and pension of about 50 lakh Central Government employees and 69 lakh pensioners. Its report is due within 18 months, around May 2027.
The Commission is expected to recommend a new pay matrix and a fitment factor, the multiplier that converts your current basic pay into the new basic pay. Neither has been announced yet; the Commission is still consulting stakeholders across the country.
The Fitment Factor is a crucial concept in the 8th Pay Commission. It's a multiplier applied to your old basic pay to determine your new basic pay in the revised pay structure.
The 7th CPC used a flat 2.57x. For the 8th CPC, analyst estimates range from about 1.83x to 2.46x, while the NC-JCM staff side has demanded 3.833x (a ₹69,000 minimum pay). Because DA of 58% is merged into basic pay on 1 January 2026, any factor above 1.58 is the real increase.
Public Sector Undertaking (PSU) employees follow their respective organizations' pay structures, which are often benchmarked against government pay scales. While not directly covered by the 8th CPC, many PSUs have adopted similar pay revision frameworks.
Our PSU calculator helps you understand the potential revised salary based on current benchmarking practices and industry standards for salary revisions.
Central Government employees form the largest beneficiary group of the 8th Pay Commission. The revised pay structure applies uniformly across all central ministries, departments, and organizations.
When implemented, the revised matrix will apply across all central ministries and departments, with arrears expected from 1 January 2026. Use our calculator to see your full salary before and after under each fitment scenario.
While the 8th Central Pay Commission primarily covers Central Government employees, most state governments have adopted similar pay revision frameworks for their employees. These implementations vary by state but generally follow the CPC guidelines.
State governments often customize the fitment factors and allowances to suit their fiscal situations while maintaining parity with central government employees where applicable.
Our calculators use the official 7th CPC pay matrix and pay rules, and apply 8th CPC fitment factors as clearly labelled scenarios. Full method: Editorial Policy & Methodology. Here is how each calculator processes your data:
Understanding the science behind salary calculations
// METHOD (7th CPC pay fixation, applied as a projection):
New_Basic = Old_Basic × Fitment_Factor
→ placed at the equal-or-next-higher cell of the projected matrix
// STEPS:
1. Select your Pay Level (1-18, incl. 13A) and current cell
2. Choose a fitment scenario (1.83x … 3.83x) — none is official yet
3. New basic is fixed in the projected 8th CPC matrix
4. DA restarts at 0%; HRA and TA are recalculated
5. Compare full salary before vs after
// 7th CPC ENTRY PAY (official):
Level 1: ₹18,000 Level 8: ₹47,600 Level 13A: ₹1,31,100
Level 2: ₹19,900 Level 9: ₹53,100 Level 14: ₹1,44,200
Level 3: ₹21,700 Level 10: ₹56,100 Level 15: ₹1,82,200
Level 4: ₹25,500 Level 11: ₹67,700 Level 16: ₹2,05,400
Level 5: ₹29,200 Level 12: ₹78,800 Level 17: ₹2,25,000
Level 6: ₹35,400 Level 13: ₹1,18,500 Level 18: ₹2,50,000
Level 7: ₹44,900
// EXAMPLE (Level 7, basic ₹44,900, 2.28x, X-city, NPS):
Now: Basic 44,900 + DA 60% 26,940 + HRA 30% 13,470
+ TA 3,600 + DA on TA 2,160 = Gross ₹91,070
8CPC: Basic 1,02,400 + DA 0% + HRA 24% 24,576
+ TA 3,600 = Gross ₹1,30,576
Gross increase: ₹39,506 per month (+43.4%)
Data Source: Official 7th CPC Pay Matrix (projection for 8th CPC) | Updated: September 2026
// FORMULA:
New_Basic_Salary = Old_Basic_Salary × State_Fitment_Factor
// LOGIC:
1. User selects their state
2. User inputs current basic salary
3. System retrieves state-specific fitment factor
4. Applies formula based on state guidelines
5. Different states have different factors
6. Calculates monthly & annual increase
// ILLUSTRATIVE STATE ASSUMPTIONS USED BY THE TOOL
// (no state has announced an 8th CPC factor yet):
Andhra Pradesh: 2.75x
Arunachal Pradesh: 2.65x
Assam: 2.70x
Bihar: 2.75x
Chhattisgarh: 2.70x
Goa: 2.80x
Gujarat: 2.78x
Haryana: 2.72x
Himachal Pradesh: 2.68x
Jammu & Kashmir: 2.70x
Jharkhand: 2.72x
Karnataka: 2.80x
Kerala: 2.85x
Madhya Pradesh: 2.75x
Maharashtra: 2.82x
Manipur: 2.65x
Meghalaya: 2.65x
Mizoram: 2.65x
Nagaland: 2.60x
Odisha: 2.72x
Punjab: 2.75x
Rajasthan: 2.75x
Sikkim: 2.68x
Tamil Nadu: 2.85x
Telangana: 2.75x
Tripura: 2.65x
Uttar Pradesh: 2.78x
Uttarakhand: 2.72x
West Bengal: 2.78x
// EXAMPLE CALCULATION (Maharashtra):
Old Salary: ₹45,000
State: Maharashtra
Fitment Factor: 2.82x
Calculated: 45,000 × 2.82 = ₹1,26,900
Monthly Increase: ₹1,26,900 - ₹45,000 = ₹81,900
Annual Increase: ₹81,900 × 12 = ₹9,82,800
// NOTE:
State factors vary based on:
- State government policies
- Financial capacity
- Local cost of living
- Implementation timeline
Note: These state figures are illustrative planning assumptions, not announced factors. No state has adopted the 8th CPC yet; each state will notify its own revision later.
// FORMULA:
New_CTC = Current_CTC × (1 + Increase_Percentage/100)
// LOGIC:
1. User selects designation level
2. User inputs current CTC
3. System determines increase percentage based on level
4. Applies salary revision percentage
5. Calculates new CTC and increase amount
// INCREASE PERCENTAGES BY DESIGNATION:
Executive: 25% increase
Management: 30% increase
Senior Management: 35% increase
Board Level: 40% increase
// COMPONENTS TYPICALLY INCLUDED IN CTC:
- Basic Salary
- Dearness Allowance (DA)
- House Rent Allowance (HRA)
- Special Allowance
- Performance Bonus
- Gratuity Component
- Medical Benefits
- Other Benefits
// EXAMPLE CALCULATION (Senior Management):
Current CTC: ₹12,00,000
Designation: Senior Management
Increase %: 35%
New CTC = 12,00,000 × (1 + 35/100)
New CTC = 12,00,000 × 1.35
New CTC = ₹16,20,000
Annual Increase: ₹4,20,000
// BREAKDOWN (Approximate):
Basic Salary: ₹4,00,000 → ₹5,40,000 (+35%)
DA + HRA: ₹3,00,000 → ₹4,05,000 (+35%)
Allowances: ₹2,00,000 → ₹2,70,000 (+35%)
Other Benefits: ₹2,00,000 → ₹2,70,000 (+35%)
Gratuity: ₹1,00,000 → ₹1,35,000 (+35%)
// NOTE:
PSU calculations are estimates based on:
- Industry standards
- Company policies
- Benchmarking practices
- Previous revision patterns
Actual revision varies by PSU
Disclaimer: PSU calculations are estimates. Check with your HR for official figures.
// METHOD (7th CPC method, applied as a projection): Revised_Pension = Basic_Pension × Fitment_Factor (or 50% of notional pay in the new matrix, if higher) Minimum pension projected = ₹9,000 × Fitment_Factor Dearness Relief restarts at 0% // EXAMPLE (basic pension ₹25,000, 2.28x): Now: 25,000 + DR 60% 15,000 = ₹40,000 Revised: 25,000 × 2.28 = ₹57,000 (+ DR 0%) Change: +₹17,000 per month // ADDITIONAL PENSION (age-based, on basic pension): 80–85: +20% 85–90: +30% 90–95: +40% 95–100: +50% 100+: +100% // FAMILY PENSION: 30% of last pay (enhanced 50% for the first years in some cases)
Method: 7th CPC pension revision method, applied as a projection
// FORMULA: Fitment_Factor = (1 + DA_merged) × (1 + Real_Increase) // 7th CPC (for reference): 2.25 (to absorb 125% DA) × 1.1429 (14.29% real rise) = 2.57 // 8th CPC: DA on 31 Dec 2025 = 58% → protection part = 1.58 1.58 × 1.20 (20% real rise) = 1.90x 1.58 × 1.44 (44% real rise) = 2.28x 1.58 × 2.43 (143% real rise) = 3.83x (NC-JCM demand) // FIGURES IN DISCUSSION (Sep 2026): Analyst estimates: ~1.83x – 2.46x 7th CPC (implemented): 2.57x NC-JCM staff-side demand: 3.833x Official 8th CPC figure: not announced // EXAMPLE: Basic ₹35,400 (Level 6) × 2.28 = ₹80,700 (rounded to ₹100) Basic + 60% DA today = ₹56,640 → real gain ≈ +42.5%
Purpose: Understanding salary revision ratios and comparisons
// GOVERNMENT EMPLOYEES (CCS rules): Gratuity = ¼ × (Basic + DA) × completed six-monthly periods Maximum = 16.5 × (Basic + DA), ceiling ₹25 lakh (from 1 Jan 2024) // PSU / PRIVATE (Payment of Gratuity Act, 1972): Gratuity = (Basic + DA) × 15 ÷ 26 × completed years Ceiling = ₹20 lakh // EXAMPLE (Government): Basic ₹78,800 + DA 60% ₹47,280 = ₹1,26,080 30 years = 60 six-monthly periods Gratuity = ¼ × 1,26,080 × 60 = ₹18,91,200 // TAX: Government employees: fully exempt, Sec 10(10)(i) Others: exempt up to ₹20 lakh // ELIGIBILITY: Minimum 5 years' qualifying service (waived on death/disability)
Calculation Based On: Government Employee Gratuity Rules | 8th CPC Guidelines
// FORMULA:
HRA = Basic_Pay × (City_Rate / 100)
// LOGIC:
1. User inputs revised (8th CPC) basic pay
2. User selects city classification (X/Y/Z)
3. System applies the applicable HRA rate
4. Displays monthly and annual HRA amount
// ESTIMATED CITY-WISE HRA RATES:
X (Metro / million-plus cities): 27%
Y (Other significant cities): 18%
Z (Rest of India): 9%
// EXAMPLE CALCULATION:
Basic Pay: ₹1,30,000
City: X-Class
HRA = 1,30,000 × 0.27 = ₹35,100 per month
Annual HRA = ₹4,21,200
// NOTE:
HRA rates automatically taper down as DA rises past
25% and 50% thresholds. Figures shown are illustrative
estimates pending official 8th CPC notification.
Purpose: Estimate House Rent Allowance by city classification
// FORMULA:
Real_Value = Salary / (1 + Inflation_Rate) ^ Years
// LOGIC:
1. User inputs revised salary and expected inflation rate
2. User selects number of years to project
3. System computes real (inflation-adjusted) value
4. Displays erosion amount, erosion %, and a
year-by-year breakdown table
5. Estimates cumulative DA % needed to offset inflation
// EXAMPLE CALCULATION:
Salary: ₹1,00,000
Inflation Rate: 6% per year
Years: 5
Real Value = 1,00,000 / (1.06)^5 = ₹74,726
Erosion = ₹25,274 (25.3%)
Approx. DA needed over 5 years to offset: ~33.8%
// NOTE:
This is an educational estimate based on the inflation
rate you enter — not a prediction of actual future
inflation or DA outcomes.
Purpose: Understand how inflation affects your real salary value over time
Go beyond the numbers — understand exactly how the 8th CPC works