Calculator
PMI Removal Timeline Calculator
Estimate when scheduled amortization is likely to bring your loan-to-value to a target you set — commonly 80% — a point at which PMI removal may be requested.
Amortizes the loan month-by-month at the rate you enter and reports the first month the projected balance ≤ target LTV × property value. Read the calculator methodology.
Property value held constant (no appreciation). Fixed rate. No extra principal payments, recast, or reappraisal considered.
Actual PMI removal depends on servicer requirements, the loan program (borrower-paid vs lender-paid), possibly a new appraisal, and payment history. This is a scheduled-amortization estimate only. Read the PMI costs and removal guide for the conditions behind these milestones.
Last reviewed: pending review
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- PMI Costs and Removal: The 80% and 78% Rules | Conventional.Loans
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