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In-Hand Salary Calculator 2026

Calculate exact monthly in-hand bank credit salary for 7th Pay Commission Government Jobs (SSC, UPSC, Railway, Police) and Private Corporate CTC with PF, HRA, and Income Tax deductions.

Updated with 50% DA & 2026 Tax Slabs · Free & Instant

Government Pay Settings

Select Pay Level & Role:

City Category (HRA & TA Rate):

Dearness Allowance (DA): 50%Current Central Govt DA is 50% (Standard 7th CPC rate).

Custom Basic Pay (Optional):

Target Posts at Level 7:

SSC CGL Inspector (Income Tax, GST), ASO, CBI SI

Monthly In-Hand Salary₹78,775Annual In-Hand: ~₹9,45,300

Earnings Breakdown (Gross Pay):

Basic Pay₹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 Salary₹86,220

Monthly Deductions:

NPS Employee Contribution (10%)-₹6,735

CGHS (Medical Scheme)-₹650

CGEGIS (Insurance)-₹60

Total Deductions-₹7,445

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7th Pay Commission In-Hand Salary & Private CTC Calculator 2026 — Exact Monthly Take-Home

Calculate your accurate monthly take-home salary for Central and State Government postings (7th Pay Commission Pay Level 1 through Level 14) with latest 50% Dearness Allowance (DA), House Rent Allowance (HRA) for X/Y/Z cities, Transport Allowance, and NPS deductions.

Also converts private corporate CTC into monthly in-hand bank credit after deducting Employee PF, Gratuity, Professional Tax, and Income Tax (New vs Old Tax Regime). 100% free with no login required.