Promotion vs MACP
See how financial upgradation under MACP compares with regular promotion.
Free, private, browser‑side tools to plan your salary, allowances, and pension as a government employee.
Run fast client‑side calculations for DA, HRA, TA, pension, and more.
Estimate Dearness Allowance from basic pay and current DA rate.
Check HRA for X, Y or Z cities based on your basic pay.
Find your monthly TA for metro and other cities.
Project annual interest and closing balance on your GPF.
Estimate leave encashment on retirement up to 300 days.
Compare lump‑sum commutation with reduced monthly pension.
Calculate retirement gratuity based on service years.
See your next pay after annual increment in pay matrix.
Calculate CEA and hostel subsidy for your children.
Check fixed medical allowance component in salary.
Calculate DA arrears when rate increases retroactively.
Find your monthly NPS contribution and employer share.
Deep‑dive explanations for pay matrices, allowances, pension rules and more.
See how financial upgradation under MACP compares with regular promotion.
Check whether your posting is in X, Y or Z city and what HRA rate applies.
Compare guaranteed GPF returns with market‑linked NPS and tax benefits.
Understand how DA revisions generate arrears for salary and pension.
Walk through pay fixation on promotion with matrix cells and examples.
Analyse breakeven between lump‑sum commutation and full pension stream.
Understand the transition from grade pay to pay levels under 7th CPC.
Learn about additional tax deductions available for NPS contributions.
Check TA rates for metropolitan, X, Y and Z classified cities.
Plan GPF advances and partial withdrawals for different purposes.
See how promotion affects your annual increment date and timing.
Understand how DA merges into pension during pay commission revisions.
Learn when HRA stops if you occupy government quarters or housing.
Calculate how each 1% DA increase affects your monthly take-home.
Understand 300-day cap and daily rate calculation for leave encashment.
Estimate CEA and hostel subsidy eligibility for your family.
Step-by-step calculation of DA arrears with real numbers and dates.
Quick reference for TA rates with and without DA component.
Key pay‑commission rules every central government employee should remember.
7th Central Pay Commission introduced the pay matrix with minimum pay around ₹18,000 and higher levels crossing ₹2,00,000 per month.
Dearness Allowance is normally revised twice a year, in January and July, to offset inflation for employees and pensioners.
Recent notifications have kept GPF interest near 7.1% per annum with interest credited annually and withdrawals allowed under rules.
Central government NPS typically has 10% employee contribution and a higher employer share with extra tax deduction under Section 80CCD.
Annual increment is granted once a year by moving to the next cell in the same pay level on the prescribed increment date.
Modified Assured Career Progression generally provides financial upgradation after 10, 20 and 30 years of regular service without promotion.
HRA rates are 24% for X cities (metros), 16% for Y cities, and 8% for Z cities based on population and classification.
Pension is calculated as 50% of average emoluments of last 10 months of service for qualifying service of 33 years or more.
Children Education Allowance is ₹2,250 per child per month (up to 2 children) plus hostel subsidy of ₹6,750 if applicable.
TA is ₹3,600 per month for metro cities and ₹1,800 for other cities, subject to periodic revision with DA thresholds.
Maximum 300 days of earned leave can be encashed on retirement, calculated at basic pay plus DA as on date of retirement.
Gratuity is calculated as 1/4th of monthly emoluments for each completed six-monthly period of service, currently capped at ₹20 lakhs.
Up to 40% of pension can be commuted for lump sum, with commutation factor varying by age at retirement (typically 8-9.5).
Superannuation age is 60 years for most central government employees, with some exceptions for specific categories and services.
CGHS provides cashless medical facilities to serving and retired employees with nominal monthly contributions based on pay level.
7th CPC pay matrix has 19 pay levels from Level 1 (₹18,000) to Level 18 (₹2,25,000) with cells for annual increments.
Answers to common questions on DA, HRA, GPF, NPS, promotion and pension rules.