PayoffTools

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PMI Removal Calculator

Estimate whether your current loan balance is near the 80% loan-to-value threshold commonly used for PMI removal conversations.

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Calculator

Calculate PMI removal gap

Use current home value and loan balance to estimate the LTV and paydown gap.

Comparison

PMI Calculator vs PMI Removal Calculator

Use the PMI Calculator before or during purchase to estimate monthly PMI. Use this PMI Removal Calculator after purchase to estimate whether the current balance and value may support a removal request.

Related calculators

P1 calculator PMI Calculator

Estimate monthly PMI, annual PMI, and LTV before focusing on removal timing.

 P0 calculator Mortgage Calculator With PMI

See how PMI changes the full payment alongside taxes, insurance, HOA, and interest.

 P1 calculator Down Payment Calculator

Compare down payment size with PMI risk before purchase or before recasting plans.

 P2 path Refinancing Calculator

Compare refinance savings with PMI removal and extra principal before paying costs.

 Debt load Debt Calculators

Compare extra principal for PMI removal with higher-rate debt payoff first.