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Updated for FY 2026-27 · New tax regime

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Monthly in-hand
₹1,13,166
from ₹18 LPA CTC · 10% variable · new regime
Income tax + cess− ₹8,674/mo
Provident fund− ₹6,480/mo
Effective tax rate6.7%
78
ATS Score
Strong match · 4 gaps

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Why trust JobYaar

Every number is explained,
every formula is shown

No black boxes. Each tool shows its assumptions, formula and a worked example — so you can verify the math yourself.

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Frequently asked

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The Weekly Yaar

One email every Tuesday: salary trends, one resume tip, one tool worth trying. No spam, unsubscribe anytime.

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Take-Home Salary Calculator

Convert your CTC to monthly in-hand salary under the new tax regime (FY 2026-27). Move the sliders — everything updates live.

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₹3L₹80L

Variable/bonus is excluded from monthly in-hand — it's usually paid quarterly or annually.

Most Indian offers include the employer's 12% PF contribution inside CTC.

Monthly in-hand
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Annual breakdown
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How we calculate

Assumptions & formula

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Worked example

₹12 LPA, 10% variable

Fixed pay = ₹10.8L → basic ₹4.32L
Employer + employee PF = ₹51,840 each
Gross = ₹10.28L → taxable ₹9.53L
Tax = ₹0 (rebate under ₹12L) · Prof. tax ₹2,400
Monthly in-hand ≈ ₹81,100

Frequently asked

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Try next

Software Engineer Salary in Bangalore

Updated June 2026
Quick answer

Software engineers in Bangalore earn ₹16.5 LPA on average, with most offers between ₹6 LPA (freshers at services firms) and ₹45+ LPA (senior roles at product companies). That's roughly ₹1.05L per month in-hand at the average.

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Salary by experience

ExperienceTypical rangeMedian
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What does ₹16.5 LPA feel like monthly?
Roughly ₹1,05,400 in-hand per month under the new regime, assuming 10% variable pay.
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How Bangalore compares

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Median for 4–6 yrs experience, product + services blended.

Skills that pay a premium

Median uplift vs. an equivalent role without the skill.

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Negotiation insight

Candidates with a competing offer in Bangalore negotiate 18–25% higher on average. Always get your current in-hand number right before the call — recruiters anchor on CTC, you should anchor on take-home.

Frequently asked

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Explore related

Methodology: figures aggregate self-reported offers, public filings and partner recruiter data from Jan–Jun 2026, cleaned for outliers. Medians shown unless noted. Last updated 28 June 2026.

ATS Resume Score Checker

Paste your resume and the job description. We'll score the match, find keyword gaps, and tell you exactly what to fix — free, and your text never leaves the browser.

or paste text above
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or paste JD above
Runs locally — nothing is uploaded
Scanning like an ATS would…
Parsing sections · extracting keywords · matching against JD
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Your resume clears most ATS filters
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✓ Matched keywords
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! Missing from your resume
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Fix these next

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Complete your application

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Frequently asked

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CGPA to Percentage Calculator

Pick your university's official formula, enter your CGPA, done. Works for CBSE, VTU, Mumbai University and more.

Your percentage
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Note: for job applications and higher studies, always attach your university's official conversion certificate. Recruiters accept these formulas, but the certificate is the source of truth.
Worked example
CGPA 8.4 on CBSE formula:
8.4 × 9.5 = 79.8%
Same CGPA on VTU formula:
(8.4 − 0.75) × 10 = 76.5%
Common uses
✓ Filling job application forms
✓ Masters / MS applications abroad
✓ Bank education loan paperwork
✓ Campus placement eligibility checks

More student tools

Frequently asked

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Attendance Calculator

Enter total classes and attended classes; this shows your current percentage and how many more classes you must attend to reach 75%.

Current attendance
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Required for 75%: {{ requiredCount }} classes total
Classes still needed
{{ classesNeeded }} more class{{ classesNeeded === 1 ? '' : 'es' }} to reach 75% (based on {{ attTotal }} total classes)

Education Loan EMI Calculator

Estimate your monthly EMI, total payment and interest for an education loan.

Estimated EMI
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Monthly payment · principal + interest
Quick note
EMI shown is an estimate. Exact repayments depend on bank schedule and compounding. Use this to compare offers and plan your budget.
Negotiation

How to negotiate your first salary: scripts that actually work

PK
Priya Kulkarni
Career Editor · 2 July 2026 · 8 min read
TL;DR

Freshers who negotiate get 8–15% more on average, and almost nobody loses an offer for asking politely. Anchor on the role's market median, ask once, and negotiate the fixed component — not the CTC headline.

The first offer you receive is rarely the best offer available. Recruiters keep a band for every role — and fresher offers usually start at the bottom of it. The gap between the bottom and the middle of that band is your negotiation room.

But most freshers never ask. The fear is understandable: what if they revoke the offer? In practice, a polite, well-researched ask almost never backfires. Here's how to do it right.

1. Know the band before the call

Never negotiate blind. Look up the median for your exact role and city, then compute what the offer means in-hand. A ₹6 LPA CTC with high variable pay can mean less monthly money than a ₹5.5 LPA fixed offer.

Before the call: know your in-hand number
Takes 30 seconds with our take-home calculator.

2. Pick your lever

Different levers work at different companies. This is what each one typically yields for freshers:

LeverTypical yield
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3. Use a script, not improvisation

The best negotiation lines are boring, specific and polite. For example:

"Thank you — I'm excited about the role. Based on the median for this position in Pune, I was expecting the fixed component closer to ₹7.2L. Is there flexibility there?"

Then stop talking. Silence is part of the script. If the answer is no, ask about a 6-month review instead — many companies say yes to that.

Key takeaways
① Research the median before any money conversation
② Negotiate fixed pay, not the CTC headline
③ Ask once, politely, with a specific number
④ A joining bonus is the easiest yes
⑤ Get every change in writing before accepting

Frequently asked

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Tools for your negotiation

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