I think the calculator might be missing some aspects of ownership. I've owned 4 homes over 29 years. My mortgage payment has been in the $1000-$1400/month range for all four, despite each home costing more than the previous (I'm currently just over $1000/month and this house is in the highest demand market of the four - MSP suburbs).
Early in my home ownership, renting cost about the same as my mortgage. Now a house rental in my area is 3x my mortgage for about the same house but without the 4 acres of land I own.
I've also refinanced 2x when rates drop, so you aren't locked into your current loan rate. So even if you start higher (my first loan was ~6%), you can drop down (my current refi was in 2021 with a 2.25%).
I'm sure there are cases where it is more neck and neck with rent, but more often than not, you win in the long-term owning. If I sold today (for what my property tax assessment tells me it is worth), I'd walk away with over $500k after the mortgage is paid. Some of that is due to improvements I've made, but I'd guess that my maintenance and improvements are in the $200k range with another $50k in property taxes. So, it is still a $250k net over 9 years of owning this home. And that is without accounting for how much I save in a mortgage vs rent cost now.
Also, do you expect to die at 65? You will need a place to live then too! 😉