Roby now takes your household income and filing status, and uses them
to answer the questions a rent-vs-buy calculator actually should.

• The Tax Break Reality Check: does the mortgage interest deduction
  actually lower your tax bill, or does the standard deduction win?
• Required income, retirement room, back-end DTI headroom, and a
  job-loss reserve target tailored to your numbers.
• The Glide Path: when a tight payment gets comfortable as income rises.
• A second opinion against the stricter 25%-of-take-home rule.

Plus 17 premium sections (up from 15).