Mortgage Calculator
Full PITI mortgage calculator with PMI drop-off at 78% LTV, extra-payment payoff modeling, and CSV amortization export. 100% private.
About Mortgage Calculator
Full PITI mortgage calculator with PMI drop-off at 78% LTV, extra-payment payoff modeling, and CSV amortization export. 100% private. Everything runs locally in your browser — your data never leaves your device.
How to use
- Enter your input in the tool above.
- Adjust any options to your preference.
- Use the Copy or Download buttons to save the result.
- Everything happens locally — your data never leaves your browser.
FAQ
What is PITI?
Principal, Interest, Taxes, and Insurance — the four components of a typical monthly mortgage payment. Some borrowers also add HOA dues; together these are your true monthly housing cost.
When does PMI drop off?
By US law (Homeowners Protection Act), lenders must automatically cancel PMI when your loan balance reaches 78% of the original home value, provided you're current on payments. You can request earlier cancellation at 80% LTV. This tool models both thresholds.
How do extra payments help?
Every extra dollar above your scheduled payment goes directly to principal. That reduces the base on which future interest accrues, shortening your loan term and dramatically cutting total interest paid.
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