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.
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.
Assumptions: basic = 40% of CTC, HRA = 50% of basic, state = Karnataka, FY 2025-26. Change inputs for your exact salary.
New regime (monthly)
₹1,
Tax: ₹81,768/yr
Old regime (monthly)
₹93,
Tax: ₹2,03,472/yr
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Assumes basic = 40% of CTC, HRA = 50% of basic, employee and employer PF at 12% of basic each, gratuity provision at (monthly basic x 15)/26 per year, professional tax as per Karnataka rates, and FY 2025-26 tax slabs. Old regime comparison uses standard deduction only — add your actual deductions in the full calculator.