Calculators & Converters
Offline-ready
Mortgage Calculator
Full PITI mortgage calculator with PMI drop-off at 78% LTV, extra-payment payoff modeling, and CSV amortization export. 100% private.
100% private
This tool runs entirely in your browser. Your input never leaves your device — no uploads, no tracking, no accounts.
Related tools
Loan / EMI Calculator
Calculate EMI, total interest, and full amortization schedule with optional prepayments and CSV export. 100% private.
Calculators
SIP Calculator
Calculate the future value of a Systematic Investment Plan (SIP) with optional annual step-up. Shows total invested, returns, and projected corpus. 100% private.
Calculators
About Mortgage Calculator
Full PITI mortgage calculator with PMI drop-off at 78% LTV, extra-payment payoff modeling, and CSV amortization export. 100% private.
How to use
- Enter your input in the tool above.
- Adjust any options (indent, format, etc.) to your preference.
- Use the Copy or Download buttons to save the result.
- Everything happens locally — your data never leaves your browser.
Frequently asked questions
- 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.