Source: https://awesomecalcs.com/net-gross-salary-calculator/salary-calculator-software-engineer-india
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

---
# Software Engineer Salary Take-Home Calculator, India FY 2025-26

> Software engineers in India earning ₹12-20 LPA CTC take home ₹88,277-1,33,559/month under the new tax regime. See full CTC-to-net breakdown for ₹10L, ₹15L, and ₹20L CTC packages.

Interactive calculator: https://awesomecalcs.com/net-gross-salary-calculator/salary-calculator-software-engineer-india

Keywords: software engineer salary take home calculator India FY 2025-26, software engineer 12 to 20 LPA CTC in-hand salary India, SE 15 LPA take home 103582 Bangalore new regime, software engineer salary after tax India 2025-26, IT engineer CTC to in-hand salary India 12 15 20 LPA

## Scenario inputs

```json
{
  "inputs": {
    "annualCTC": 1500000,
    "basicPercent": 40,
    "hraPercent": 50,
    "state": "Karnataka"
  },
  "answerText": "Typical SE take-home: ₹12 LPA = ₹88,277/month, ₹15 LPA = ₹1,03,582/month, ₹20 LPA = ₹1,33,559/month (all new regime, Bangalore/Karnataka). Use the full calculator for your exact CTC and city."
}
```

## Frequently asked questions

### Why do some software engineers with the same CTC get different take-home?

Take-home varies because of (a) salary structure: higher basic means more PF deduction; (b) tax regime chosen: new vs old; (c) state of employment: professional tax differs (Karnataka ₹2,400, Maharashtra ₹2,500); (d) old-regime deductions claimed (HRA, 80C, 80D). Two engineers at ₹15 LPA CTC can have a ₹5,000-15,000/month difference based on these factors.