Old regime vs new regime: how to actually decide

The break-even depends on how much you genuinely claim, not on what you could claim.

Start with the deductions you actually use every year, not the ones you plan to start using.

Work out your real deduction total

Add up 80C, health insurance, home loan interest and HRA as they appear on last year's return.

Then compare

Run both regimes through the calculator on this site and keep whichever is lower.