8th Pay Commission Salary Calculator: All Level-Wise Pay Matrix, HRA, & Benefits Explained

The 8th Pay Commission is expected to bring significant salary revisions for over 50 lakh central government employees and 65 lakh pensioners from January 1, 2026. While official recommendations are awaited, projections based on likely fitment factors (ranging from 2.57 to 2.86) offer a clear picture of what employees across Pay Levels 1 to 18 might expect.

Here’s a detailed, level-wise salary calculator and table based on multiple fitment scenarios, including key allowances like HRA, TA, NPS, and CGHS contributions.

What is the Fitment Factor?

The fitment factor is a multiplier used to revise basic pay from the current pay structure. It helps calculate new salaries under the upcoming pay commission.

Pay Commission	Fitment Factor
6th CPC	1.86
7th CPC	2.57
8th CPC (expected)	2.57 to 2.86

8th Pay Commission Salary Estimate Table (Based on Fitment Factor)

Pay Level	7th CPC Basic Pay	8th CPC Basic (2.57)	8th CPC Basic (2.86)
Level 1	₹18,000	₹46,260	₹51,480
Level 2	₹19,900	₹51,243	₹56,914
Level 3	₹21,700	₹55,769	₹62,062
Level 4	₹25,500	₹65,535	₹72,930
Level 5	₹29,200	₹75,044	₹83,512
Level 6	₹35,400	₹91,778	₹1,01,244
Level 7	₹44,900	₹1,15,393	₹1,28,414
Level 8	₹47,600	₹1,22,332	₹1,36,136
Level 9	₹53,100	₹1,36,467	₹1,51,866
Level 10	₹56,100	₹1,44,177	₹1,60,446
Level 11	₹67,700	₹1,74,969	₹1,93,642
Level 12	₹78,800	₹2,02,516	₹2,25,448
Level 13	₹1,23,100	₹3,16,367	₹3,52,066
Level 13A	₹1,31,100	₹3,37,927	₹3,74,946
Level 14	₹1,44,200	₹3,71,594	₹4,12,412
Level 15	₹1,82,200	₹4,68,054	₹5,21,092
Level 16	₹2,05,400	₹5,27,878	₹5,87,444
Level 17	₹2,25,000	₹5,78,250	₹6,43,500
Level 18	₹2,50,000	₹6,42,500	₹7,15,000

These are only basic salary projections. Final figures will include HRA, TA, NPS, etc.

Also Read:

8th Pay Commission 2025: Fitment Factor, Revised Salaries, and Pension Boost Explained

Example Salary Calculation: Junior Engineer (Pay Level 6)

Let us take the example of a Junior Engineer currently earning a basic salary of ₹35,400 under the 7th Pay Commission. With the expected 8th Pay Commission fitment factor of 2.86, the revised salary components may look like this:

• Basic Pay: ₹35,400 × 2.86 = ₹1,01,244
• Dearness Allowance (estimated at 55%): ₹55,684
• House Rent Allowance (24% for X-class cities): ₹24,298
• Travel Allowance (fixed): ₹3,600

Total Estimated Gross Salary = ₹1,01,244 + ₹55,684 + ₹24,298 + ₹3,600 = ₹1,84,826 per month

This figure represents the gross salary before deductions such as NPS and CGHS. Final take-home pay will be slightly lower depending on these contributions.

Allowances to Increase Along with Basic Salary

1. HRA (House Rent Allowance):
   • Likely unchanged at:
     • 24% for X Cities
     • 16% for Y Cities
     • 8% for Z Cities
   • Increased basic will lead to higher HRA automatically.
2. TA (Travel Allowance):
   • Fixed based on grade and location.
   • Expected to increase as per revised pay scale.
3. NPS & CGHS:
   • Employee contribution to NPS remains 10% of Basic + DA.
   • CGHS contributions will also rise as per slab changes.

What About Deductions?

While the gross salary will see a notable rise, deductions will also increase proportionately. Here is how the deductions may be calculated:

• NPS Contribution (10% of Basic + DA): ₹1,01,244 + ₹55,684 = ₹1,56,928 × 10% = ₹15,692.80
• CGHS Contribution: Based on the revised slab, this is expected to range between ₹500 and ₹1,000 monthly, depending on the employee’s level and city.

Thus, after deducting NPS and CGHS, the net in-hand salary will still see a substantial improvement, offering more financial flexibility to government employees.

Example: Level 6 Salary Breakdown (Basic ₹35,400)

Component	At 2.57 Factor	At 2.86 Factor
Basic Pay	₹91,778	₹1,01,244
DA @55% (est.)	₹50,478	₹55,684
HRA (24%)	₹22,026	₹24,298
TA	₹3,600	₹3,600
Gross Salary	₹1,67,882	₹1,84,826

Level-Wise Role Examples

Pay Level	Common Posts
Level 1–3	Peons, Assistants, Technicians
Level 4–6	Clerks, LDC, UDC, Accountants, Jr. Engineers
Level 7–9	Inspectors, Supervisors, Teachers
Level 10–12	Section Officers, Assistant Professors
Level 13–14	Joint Secretary, Professors
Level 15+	Additional Secretary, DGs, Apex Officers

How Will This Affect Mid-Level Government Staff?

For central government employees in Pay Levels 4 to 6—such as clerks, junior engineers, LDCs, UDCs, and accountants—the 8th Pay Commission is expected to bring a monthly salary hike ranging between ₹30,000 to ₹50,000 in gross terms. This can significantly improve disposable income, enhance eligibility for home and vehicle loans, and boost retirement savings.

Quick Salary Comparison Table (Projected Figures)

Here is a simplified table showing estimated salary changes across some popular pay levels:

Pay Level	7th CPC Basic Pay	8th CPC Basic (2.86x)	Estimated Gross (Incl. DA, HRA, TA)
Level 4	₹25,500	₹72,930	₹1,33,000+
Level 6	₹35,400	₹1,01,244	₹1,84,800+
Level 10	₹56,100	₹1,60,446	₹2,80,000+

These projections are based on a fitment factor of 2.86, 55% DA, and HRA applicable to X-category cities. Actual salaries may vary based on final recommendations.

The 8th Pay Commission is expected to offer 20%–35% salary hikes through a revised pay matrix and fitment factor. With a fitment factor ranging from 2.57 to 2.86, the basic pay and allowances will see a substantial jump. While the official commission report is pending, this calculator helps government employees plan finances and compare expected earnings across levels.

Financial Planning for 2026

With the 8th Pay Commission expected to roll out from January 2026, government employees should begin financial planning in advance. Consider the following steps:

• Review your existing EMI commitments to accommodate the revised pay
• Recalculate contributions to schemes like NPS, PPF, and savings accounts
• Optimize your HRA declarations based on new basic pay
• Plan for large financial goals such as home purchases, education, or retirement investments

Early planning will help employees make the most of the upcoming salary revisions and improved financial outlook.

Disclaimer: All data provided here is based on expert projections and public sources. Final salaries will be determined once the 8th Pay Commission report is officially approved by the Government of India.