> Doing the real math is the trick of the trade. The math for owning has been made so that it looks like a good deal while in reality it is not at all. Most people will literally compare mortgage to their rent, or "I sold my house I bought for 500k for 1M$, therefore I made 500k$".

Can you try to offer some explanation for your reasoning?

I mean, for blue collar or even white collar workers, lower monthly payments for a mortgage does increase disposable income. When you eventually pay off your mortgage your expenses drop to zero.

> This calculator get most things right.

I think you need to educate yourself. There are rent vs buy calculators that allow you to do parametric tests and eventually arrive at the rather obvious conclusion that renting is marginally advantageous only in short time windows (up to around <5years) whereas buying is advantageous beyond that point.