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Stop paying for insurance you don't need.

Enter your loan details to see when your PMI drops off — at 80% when you can request it, and 78% when it ends automatically.

Your loan

01 / LOAN
$
$
%
$

PMI & extra payments

02 / PLAN
$
$
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Use the original home value from when you bought — federal PMI rules are based on that number, not today's value. Your entries stay in this tab and are not saved.

Give the end date a number.

Enter your loan balance, rate, and PMI cost to see exactly when the insurance drops off.

Last reviewed: October 2026.

What's next?

Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.