Are tankless water heaters more cost effective than the traditional water heater?

Are tankless water heaters more cost effective than the traditional water heater?
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Answer :

While tankless water heaters are significantly more efficient than traditional water heaters, it can take up to 22 years to break even on the cost, due to the initial expense of the tankless water heater itself. Unfortunately, by the time the tankless water heater starts to pay for itself, it will likely have exceeded its 20-year lifespan. http://www.consumerreports.org/cro/appliances/heating-cooling-and-air/water-heaters/tankless-water-heaters/overview/tankless-water-heaters-ov.htm
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