Calculators Contact Us Contact Us Home Learn Tools & More Calculators Pages within Tools & More RatesApplicationsCalculatorsSchedule of FeesMember Offers These powerful calculators are easy to use and can provide answers and guidance when you're making important financial decisions. 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. Compare a Bi-Weekly Mortgage to a Monthly Mortgage Debt-to-Income Calculator 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 Loan 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 Mileage 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. Home Equity Calculators The Equity in Your Home Use this calculator to help you figure out how much equity is available. Calculate a Home Equity Loan Payment Find out how long it will take to pay off a home equity loan. Calculate a Home Equity Line of Credit Payment Find out how much you'll be paying during the draw period and the repayment period. Use a Home Equity for a Major Purchase Find out if you can use your home equity to make a major purchase. Home Equity Loan or Line of Credit? Can't decide between the two? Use this calculator to weigh out the two options. Consolidating Debt with Home Equity Find out of consolidating your debt with home equity is a good option for you. Paying Off a Home Equity Loan or Line of Credit Find out how long it could take for you to pay off a Home Equity Loan or a Home Equity Line of Credit. 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 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. The Benefits of Compounding How interest is calculated can have a great impact on the interest earned by your account and how your savings can grow. Retirement Calculators How Long Will My Retirement Savings Last? Use this calculator to find out how long your savings will last you in retirement. 401(k) Calculator Compare your 401(k) with and without employer match. Traditional 401(k) or Roth 401(k)? Use this calculator to determine which one will get you a better after-tax savings. Retirement Income Estimator Find out your monthly retirement income with this calculator. Spend It or Invest in an IRA? Need help determining whether to spend or invest in an IRA? Use this calculator to help make your decision. Estimate Social Security Benefits Compare the benefits you could receive today and the benefits you could receive at retirement. Save for Retirement See how your planned retirement savings stack up against your projected required retirement savings. Debt Calculators Debt Consolidation See if makes financial sense for you to consolidate all of your debt into one new loan. Make Bi-Weekly Payments 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 Credit Card 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. Calculate a Loan Payment 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 Checkbook 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. Save or Pay Off Debt? 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.