Is this tool private?

Yes. All processing happens locally in your browser. No data is uploaded.

What extras does this tool have?

Extras: (1) Core function, (2) Batch mode, (3) Copy results, (4) Download, (5) History, (6) CSV export, (7) Custom options, (8) Validation, (9) Warnings, (10) Stats, (11) Multi-format, (12) Configurable, (13) Preview.

Calculators Runs in your browser

Mortgage Insurance Calculator

Calculate PMI/MIP costs based on LTV, loan type, and term. 100% private. 100% private.

100% Private Works Offline Instant

Home price ($)

Down payment ($)

Credit score (300-850)

Interest rate (%)

Loan type

Term (years)

Mortgage insurance breakdown

Loan amount

$450,000

LTV

90%Moderate

Monthly MI

$176

Upfront MI

5-year total cost

$10,575

Cancellable: Yes

Conventional PMI @ 0.47%/yr of loan. Cancellable at 80% LTV.

5-year MI cost schedule

Year	Monthly MI	Annual MI	Cumulative
1	$176	$2,115	$2,115
2	$176	$2,115	$4,230
3	$176	$2,115	$6,345
4	$176	$2,115	$8,460
5	$176	$2,115	$10,575

Loan type comparison (5-yr cost)

conventional

$10,575 total

$176/mo · $0 upfront

fha

$19,125 total

$188/mo · $7,875 upfront

$5,625 total

$0/mo · $5,625 upfront

PMI cancellation & refinance

Estimated PMI cancellation: Year 4 (assumes 3%/yr home appreciation)

Refi closing costs ($)

Monthly savings ($)

Breakeven: 34 months (2.8 years)

100% private — runs locally. Estimates use 2024 US industry rates.

Calculate PMI/MIP costs based on LTV, loan type, and term. 100% private. 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.

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