How this estimates
A month. Office days a month are days a week times 52, divided by 12. Working from home costs your extra bills. A coworking desk costs its monthly price, or day passes when they cost less, plus meeting rooms. A lease costs rent, utilities, internet and insurance, and meeting rooms. Driving, parking and coffee are added to both office options: office days times (miles times the cost of a mile, plus the daily extras).
Over the years. Each monthly amount rises by the yearly price rise. Furniture, the deposit and the value of time do not. The deposit comes back in the last year, so it never changes a total. The extra a month is the gap over all the years divided by the months. The flat-price test repeats the sum with no rise.
Travel time is kept apart from cash: hours of travel times what an hour is worth to you. It is not taxed and does not rise. Hours that would cover the extra are the extra a month divided by what an hour of paid work earns you after costs. Day passes cost less than the desk below the desk price divided by the pass price, in days a month.
What this leaves out
Productivity, focus, keeping work and home apart, noise, privacy, networking, client impressions and a business address can matter, but no source gives a number for them. They are not in the math. Also left out: plan details (day caps, meeting-room time, minimum terms), lease length and early-exit cost, net-lease charges, offices for more than one person, home furniture, and any tax effect except the one rate you enter. US dollars and US tax pages only; the rules differ in other countries.
Taxes
Nothing is deducted unless you enter a tax rate. Per the IRS (confirm with a preparer), the simplified home office method is $5 a square foot up to 300 square feet (page reviewed 2026-03-02). Publication 587 is the home office guide. Publication 334 covers rent as a business expense. Publication 463 covers commuting: driving to a regular place of work is generally a personal cost, so this page does not treat it as a deduction.
Sources and date checked
Every starting value is in the table below with its source and the date it was checked. Companies appear only as dated examples, are not ranked, and have no booking or sign-up links. Not opened: operator pages (Regus, SPOT cowork and others), Census QuickFacts, DOT and FAA guidance, two TenantBase pages; those prices came only through directory pages. No screen reader has been run on this page.
Examples, not quotes. Prices change and plans differ. Read the plan.
An estimate from the numbers you typed. Not tax, legal or financial advice. Confirm tax rules with the IRS and a preparer.