It looks like the other fee I need to add is the $14 per day surcharge? I need to be as close to the total costs as possible so I can have more money to spend. Thanks for your help.
Yes, allocate funds for the taxes. No one expects the Spanish Inquisition, but everyone should expect room taxes.
You are staying in an incredibly expensive state. Gas, food, excursions are going to be really expensive. The room tax is the least of your worries. At least Ko Olina doesn't charge a resort fee.
Save on food by stocking up at the nearby Walmart or Costco. Even in Hawaii, Walmart has great prices. Buy your snorkel gear there, too. Save on excursions by exploring the island and using discounts found in the mags at the airport.
Cheap excursions:
Take the amazing drive up the H3 to Kaneohe and go to Kualoa Ranch. They have inexpensive packages that can make it a full day of fun. The movie site tour is really good.
Drive up to Turtle Bay and snorkel in that area
Drive to the Pali lookout
Drive to the Dole plantation (lots of coupons available)
Drive to Pearl Harbor (lots of coupons available)
You can snorkel in the Ko Olina lagoons, but there's not much in the way of colorful fish.
Avoid Waikiki. Traffic is awful, it's crowded, expensive as heck, and parking will break the bank.
Hanauma Bay is a favorite destination for snorkelers, but it's not that cheap, parking is difficult if you don't get there bright and early, and the crowds have wrecked the reef. There are other - free - places to snorkel.
At Ko Olina, the Naia tower is the one we always prefer. It's the newest tower, and is closest to the best of the pools.