Bilt Rent & Mortgage Calculator 2026 | Hawaii Reward Travel
Disclosure Hawaii Reward Travel may receive compensation from card issuers when you apply through links on this site. This calculator is for educational purposes only — not financial advice. Full Disclosure →
Free Tool — Updated Apr 2026

Bilt Rent &
Mortgage Calculator

See your real points, fees, and net value across both Bilt 2.0 options. No more guessing.

By Scottie · Hawaii Reward Travel · Not financial advice
💳
Your Bilt Card & Option
Earning Option

Choose one option each month in the Bilt app. Terms apply.

✏️
Your Numbers
$
$
% of Payment Earning Points ?Some landlords don't allow 100% via card. Set to the portion of your payment that actually goes through Bilt. 100%
0% 25% 50% 75% 100%

Earning portion: $2,000 · Not earning: $0

Obsidian spend breakdown
Dining & Groceries 3x 35%
Travel 2x 10%
Other 1x 55%

Adjust dining + travel; "other" fills the rest automatically.

📊
Monthly Results
0 Total Points ≈ $0.00
$0.00 3% Fee on earning portion
$0.00 Net Value pts − fee
Housing Multiplier 1.25x
<25%
250 flat 25%
0.5x 50%
0.75x 75%
1x 100%+
1.25x

Ratio: 100% (Spend ÷ Payment) — earning 1.25x on housing. Terms apply.

Breakdown
Housing Points0 pts
Everyday Spend Points0 pts
Transaction Fee (3%)−$0.00
Monthly Total0 pts
Scottie's Take
🤙
Enter your numbers above
Fill in your monthly payment and everyday spend to see a personalized verdict.

Educational guidance only — not financial advice. Individual results vary based on spending, approval, and redemption choices.

📅
Annual Summary
Points Value (cpp) ?Cents per point. 1.8¢ is HRT's estimate for average Bilt redemption. Hawaii business class via JAL can reach 3–5¢+. Redemption value varies.
¢
per point (default: 1.8¢)
pts
0
Annual Points (incl. bonus if checked)
$0
Estimated Value†
Annual Points (housing + spend)0 pts
Annual Transaction Fees−$0.00
Net Annual Value$0.00

†Estimated based on assumed redemption rate. Actual value varies. Not a guarantee of any specific travel outcome.