Real Estate
*Don't know what the interest rates are right now? Click
here for a listing of all lenders in the State of Hawaii, provided by the
Honolulu Board of Realtors.*
Mortgage Loan - Estimate your monthly payments based on the cost of a house, your down
payment, and the loan interest rate
Mortgage Loan Comparison - Trying to decide between several lenders? This
will allow you to calculate up to four separate mortgages and compare monthly payments and well as total interest
Bi-Weekly Mortgage - See what the difference will be if you change your monthly
payments into bi-weekly ones. Make two "half" payments each month and save in time and money!
Additional Monthly Payment - Instead of paying only what the bank requires you
to pay each month, see what happens if you pay a little extra. Another great time and money saver!
Refinance - This will tell you how much money you might
save on refinancing to a lower interest rate on your mortgage. *You might want
to seriously consider refinancing if your loan has an interest rate more than 2%
greater than the rate available*
Rent vs. Buy - Which is more cost-efficient? Find
out if its more practical to buy your dream house or to keep on renting that
apartment.
Financial
Budget - Calculate what you have left at the end of the month after paying
all those bills
Income - If you get paid by the hour, this will tell you your gross income
for the year. If you earn salary, it will breakdown income by the month or week.
Net Worth - Total up your assets versus liabilities. Does what you own
outweigh what you owe? This includes more than just what you have in the bank -
think about property, possessions, mutual funds, life insurance, etc.
Compound Interest - If you make a bank deposit today, what will it be worth
a year from now? Five years? Ten?
Credit Card - See how long it takes to pay off that credit card debt and how
much you really pay for that new refrigerator
401(k) - Understand how much money you can accumulate by
making monthly contributions to your 401(k) account. You'll be amazed at how
much you can accumulate after 40 years!
College Tuition - Want to know how much you'll need to save up for your
child's tuition in 18 years? $370,991.55?? WOW!!