In-Hand Salary Calculator
Select your pay level and cell to estimate your gross and net monthly salary. DA is applied automatically at the current rate (60%).
Select your Level, Cell, and HRA city classification above to see your estimated salary.
Figures last checked 20 August 2026 against official notifications. Full sources & verification notes →
Frequently asked questions
What is a "cell" and how do I find mine?
Your Level (1-18) and Cell (your specific increment stage within that Level) together determine your exact Basic Pay. Both appear on your pay slip, usually labelled "Level" and "Cell" or "Stage." If you're not sure, use cell 1 (the starting pay for that Level) or check the Pay Matrix reference table for your Level.
Why does this ask for two different city classifications?
HRA and Transport Allowance use two separate, non-identical city lists. Your posting can be an HRA "X" city without being one of the 19 higher-Transport-Allowance cities, or the reverse — check both independently rather than assuming they match.
Why is there no income tax line?
Tax depends on regime choice, exemptions, and investments this calculator doesn't collect — showing a number here would create false precision. Use the Income Tax Department's own calculator once you have your gross figure from this tool.
What's the difference between NPS and GPF?
Employees recruited on or after 1 January 2004 are on the National Pension System (NPS), with a fixed 10% employee contribution this calculator models. Employees recruited earlier are on the older GPF system, where the contribution is employee-elected rather than fixed — not modeled here, since a computed figure would be a guess.