Bilt Rent & Mortgage Calculator | Hawaii Reward Travel
🌺 Hawaii Reward Travel Free Tool
Updated March 2026

Bilt Rent & Mortgage Calculator

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

By Scottie at Hawaii Reward Travel
💳
Your Bilt Card & Option
Earning Option

You choose one option each month inside the Bilt app.

✏️
Your Numbers
$
$
% of Payment Earning Points ? Landlords may not allow 100% via card. Set to the percentage of your payment that goes through Bilt and earns points. 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%

Other = remaining % after dining & travel

Adjusting dining + travel sets "other" automatically.

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Monthly Results
0 Total Points ≈ $0.00
$0.00 3% Fee on earning portion
$0.00 Net Value pts value − fee
Rent/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.

Breakdown
Housing Points 0 pts
Everyday Spend Points 0 pts
Transaction Fee (3%) −$0.00
Monthly Total 0 pts
Scottie's Take
🤙
Enter your numbers above
Fill in your monthly payment and everyday spend to see your personalized verdict.
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Annual Summary
Points Value (cpp) ? Cents per point. 1.8¢ is HRT's estimate for average Bilt redemption value. Hawaii business class via JAL can reach 3–5¢+.
¢
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

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