Calculators These powerful calculators are easy to use and can provide answers and guidance when you're making important financial decisions. Contact Us Home > Resources > Tools & More > Calculators Print A A A Mortgage Calculators Calculate a Mortgage Payment Find out how much you'll pay toward principal and interest on your mortgage each month. Rent or Buy? Weigh the two options and find out which is the best choice for your financial situation. Proceeds from Sale of Home You'll see how much money you'll have in your pocket after factoring in all variables of a home sale. Home Affordability Find out how much money is in your monthly budget for purchasing and paying for ongoing costs. Compare Two Mortgage Loans Compare various terms and rates of HawaiiUSA mortgages to find the right fit for you. Adjustable Rate Mortgage Analyzer You could save significant amounts of money each month with an adjustable rate mortgage. Time to Refinance? Refinancing could be a good choice to access home equity or save money with a lower interest rate. Auto Calculators Calculate a Vehicle Payment? Here's the information you'll need to find out if a vehicle you want to purchase fits in your budget. Low Rate or Cash Back? Find out if it's a better deal to take the manufacturer's rebate or to receive a low interest rate on your loan. Compare Monthly Payment by Term How long you take to pay back your loan (the term) has a significant impact on your finances. Vehicle Affordability by Term Figure out your vehicle budget by determining how many months you want to carry an auto loan. Compare Two Vehicle Loans Discover which financing option saves you the most money before you sign any paperwork. Gas Milage Savings with a Fuel Efficient Vehicle See how much gas money you could save each month and when you will break even on your vehicle purchase. Purchase or Lease a Vehicle Dig into the relevant numbers to get a clear picture of the costs involved with purchasing and leasing. Savings Calculators The Impact of Saving More See how your savings can grow just by putting a little bit more aside each week, month and year. Save for Retirement See how your planned retirement savings stack up against your projected required retirement savings. Save for College Find out how much money you need to save to be in a good position to pay for tuition when the time comes. Save to be a Millionaire Analyze your savings pattern and rate of return, and then find out how far away you are from your goal What will my Savings be Worth? Your savings will depend on your starting balance, additional monthly savings and your rate of return. Save Towards a Goal Whatever you're saving for, see if you're on the right path today and how long it will take to reach your goal Save for a Rainy Day Here's a good place to start to see how much money you should save for unexpected expenses. Debt Calculators Debt Consolidation See if makes financial sense for you to consolidate all of your debt into one new loan. Make Bi-Weekly Payment If you use a bi-weekly payment strategy on your loan, you'll see how quickly you can pay it off. Meet a Debt Payoff Goal Find out how your finances can change for the better when you set and stick to a payoff goal. How Long Will it Take to Pay off a Debt? If you're carrying a balance on your credit card, here's how long it will take for you to reach a zero balance. Use a Lump Sum to Pay Down Debt You can pay off your loans quickly when you earmark a lump sum for this Are Balance Transfers Worth It? Take a closer look at that credit card offer and find out if it's in your best interests to transfer a balance. Increase Your Monthly Payment? Increasing your monthly payment, even a little bit, can make a big difference on your finances. Budgeting Calculators How Much Am I Spending? Track your activity to get a better understanding of where you can reduce spending and save more. Balance Your Check Book Now it's easy to balance your checkbook to get an accurate view of the money you have available. Household Cash Flow Tracker See how much money you bring in, how you spend it and categorize everything easily. Spare Change Quickly count up all that loose change you've acquired and see how much you have. Calculate Your Net Worth Your net worth is your assets compared to your liabilities, and you'd like your net worth to increase steadily. Pay off Debt or Invest? See how your money is best put to use by determining which option saves you more in the long run. Keep Working or Stay Home? You can see the impact on your family and your finances when comparing these two options.