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Free Mortgage & Homeowner Calculators

Stop overpaying on your home loan. Simple, accurate tools that show you exactly when your PMI drops off, when your mortgage is paid off, and how much house you can really afford.

Mortgage

PMI Removal Date Calculator

See the exact month your PMI cancels (80% & 78%) and how extra payments save you money.

Mortgage

Mortgage Payoff Calculator

Find your payoff date and the interest you save by paying a little extra each month.

Mortgage

Biweekly Mortgage Calculator

See how paying every two weeks pays off your loan years early and cuts interest.

Mortgage

Refinance Break-Even Calculator

Should you refinance? See monthly savings, your break-even month, and lifetime cost.

Mortgage

Home Equity Calculator

Track your equity over time and the dates you hit 20% (drop PMI), 50%, and payoff.

Home Buying

Home Affordability Calculator

How much house can you afford? Uses the 28/36 rule with taxes, insurance, and debts.

Why DropPMI

Built for homeowners who'd rather keep their money

Genuinely accurate. Real amortization math and the actual federal rules (like the Homeowners Protection Act), not rough rules of thumb.
Fast and private. Everything runs in your browser. No accounts, no emails, no storing your numbers.
Actionable. Every tool tells you a date or a dollar amount you can act on — not just a number in a box.
Always free. Supported by ads so the tools stay free for everyone.

New to PMI? Start with our plain-English guide: How to remove PMI from your mortgage →

Frequently asked questions

Are these calculators free?

Yes — every tool on DropPMI is completely free, with no sign-up and no limits. They run entirely in your browser.

Is my information private?

The numbers you enter never leave your device. We don't store or transmit your loan details. See our Privacy Policy for how advertising on the site works.

How accurate are the results?

We use standard mortgage amortization math and current federal rules, so results are a close estimate from the figures you enter. They are educational and don't replace confirmation from your lender or servicer.