Property Decision Desk

Mortgage Mechanics

PMI Exit Clock

Estimate when you reach 20% equity and what PMI costs until then.

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Educational estimate only. Not financial, tax, lending, or real-estate advice. Markets, taxes, and local conditions vary.

How to read this decision

PMI Exit Clock makes what the loan fine print does to your money concrete instead of a guess. Estimate when you reach 20% equity and what PMI costs until then.

The math runs locally in your browser with no signup, so you can test assumptions freely and compare runs in seconds.

Methodology & next steps

This tool runs entirely in your browser. Change one input at a time, compare scenarios, and export the report before you talk to an agent or lender.

  1. Start with realistic income, price, rate, and cost assumptions for your market.
  2. Use presets or Snapshot as B to stress-test a second path.
  3. Read the verdict, charts, and schedule — then verify taxes, insurance, and comps locally.
  • Copy report or Print / PDF for a shareable decision page.
  • Save scenarios on this device or copy the share link in the address bar.
  • Export CSV/JSON when you want numbers in a spreadsheet.

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About PMI Exit Clock

What is PMI Exit Clock for?

Estimate when you reach 20% equity and what PMI costs until then. It focuses on what the loan fine print does to your money, so you can compare realistic paths instead of a single optimistic listing photo.

How do I use PMI Exit Clock?

Fill in realistic values for your situation and run it. The output shows the key figures side by side, so rerun with different assumptions to stress-test the result.

Is PMI Exit Clock free?

Yes. PMI Exit Clock is free, needs no account, and runs entirely in your browser — your inputs are never uploaded.

Is this financial or real estate advice?

No. PMI Exit Clock produces educational estimates only. Markets, taxes, lending rules, and local conditions vary, so confirm big decisions with a qualified professional.