A Software Engineer earning the median salary of ₹10L in India takes home approximately ₹10,00,000/year (₹83,333/month) after Income Tax (New Regime) and 4% health & education cess, using FY 2026-27 rates.
2026 median salary for each level in India, and what it leaves after Income Tax (New Regime) and 4% health & education cess. New Regime, no EPF/gratuity/professional tax modeled. FY 2026-27 rates.
| Level | Gross / year | Take-home / year | Per month | Effective rate |
|---|---|---|---|---|
| Junior | ₹7,00,000 | ₹7,00,000₹58,333/mo | ₹58,333 | 0.0% |
| Mid-levelHeadline median | ₹10,00,000 | ₹10,00,000₹83,333/mo | ₹83,333 | 0.0% |
| Senior | ₹12,50,000 | ₹12,50,000₹1,04,167/mo | ₹1,04,167 | 0.0% |
| Lead / Principal | ₹15,50,000 | ₹14,44,700₹1,20,392/mo | ₹1,20,392 | 6.8% |
The first taxed pay step is Senior to Lead / Principal: ₹3,00,000 more a year before tax, of which ₹1,94,700 reaches take-home. 35% of that raise goes to Income Tax (New Regime) and 4% health & education cess, while the Senior salary pays none, because the raise takes income past the point where tax starts.
For Mid-level roles, the middle half of Software Engineer salaries in India run from ₹10,00,000 to ₹11,00,000 a year, all of it take-home at these levels.
The table above uses the Software Engineer median. Enter your own gross salary below for a precise figure.
National income tax only. India has no state income tax on salaries. EPF and professional tax are separate payslip deductions this calculator doesn't model. See the CTC vs in-hand guide linked below.
₹10,00,000 a year, or ₹10L per year.
Tax regime
Common salaries:
Annual take-home pay (New Regime)
₹10,00,000
Per month
₹83,333
Per week
₹19,231
Effective tax rate
0.0%
New Regime vs Old Regime on ₹10,00,000
New Regime
₹10,00,000
Effective rate: 0.0%
Old Regime (Rs 0 deductions)
₹8,93,400
Effective rate: 10.7%
The New Regime is worth ₹1,06,600/year more take-home on this salary, at these deduction levels.
How your ₹10,00,000 is split
₹10,00,000
100.0%
₹0
0.0%
₹0
0.0%
₹0
0.0%
| Gross salary | ₹10,00,000 |
| Standard deduction | -₹75,000 |
| Taxable income | ₹9,25,000 |
| Income Tax (after Section 87A rebate) | ₹-0 |
| Surcharge | ₹-0 |
| Health & Education Cess (4%) | ₹-0 |
| Total deductions | ₹-0 |
| Net take-home (annual) | ₹10,00,000 |
Calculations use FY 2026-27 Income Tax Department slabs, standard deduction, Section 87A rebate (with statutory marginal relief), surcharge, and 4% Health & Education Cess. National income tax only. India has no state income tax on salaries. Old Regime deductions default to Rs 0; enter your real Section 80C/80D/HRA exemption claims to compare accurately. Excludes EPF, professional tax, and other payslip deductions that reduce in-hand pay but aren't income tax (see the CTC vs in-hand guide). Assumes a taxpayer under 60. Senior and super-senior citizen slabs differ and aren't modeled. For precise figures, consult the Income Tax Department or a chartered accountant.
A Software Engineer earning the median salary of ₹10L in India takes home approximately ₹10,00,000 per year (₹83,333 per month) after Income Tax (New Regime) and 4% health & education cess, using FY 2026-27 rates.
On a median Software Engineer salary of ₹10L, the effective deduction rate (Income Tax (New Regime) and 4% health & education cess) is 0.0%, leaving ₹10,00,000 as take-home pay.
A senior Software Engineer in India earns a median ₹12,50,000 a year and takes home approximately ₹12,50,000 (₹1,04,167 per month) after Income Tax (New Regime) and 4% health & education cess, an effective rate of 0.0%.
A junior Software Engineer in India earns a median ₹7,00,000 a year and takes home approximately ₹7,00,000 (₹58,333 per month) after Income Tax (New Regime) and 4% health & education cess, an effective rate of 0.0%.
The first taxed pay step is Senior to Lead / Principal: ₹3,00,000 more a year before tax, of which ₹1,94,700 reaches take-home. 35% of that raise goes to Income Tax (New Regime) and 4% health & education cess, while the Senior salary pays none, because the raise takes income past the point where tax starts.
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