Set to 0 to see "no-deductions" scenario where new regime almost always wins.
New Regime (default for most)
₹97,500
Taxable income₹14,25,000
Income tax₹93,750
Cess (4%)₹3,750
Std deduction ₹75K applied. No 80C / 80D / HRA.
Old Regime (use if many deductions)
₹2,02,800
Taxable income₹12,75,000
Income tax₹1,95,000
Cess (4%)₹7,800
Std deduction ₹50K + your deductions above.
✓ New regime saves you ₹1,05,300 per year
Rule of thumb
Old regime needs ~₹3L+ legitimate deductions (full 80C + 80D + HRA + home loan interest) to beat the new regime. Below that, new regime almost always wins.