Reserve Planner keeps it alive — track percent funded, model scenarios, and walk into budget season with a board-ready plan. Built for volunteer boards of self-managed HOAs and small condo associations.
A professional reserve study costs $2,000–$6,000 and is worth every dollar — for about a year. Then costs change, projects happen early or late, and the binder goes on a shelf. Three years later the next board inherits a plan nobody can explain. Reserve Planner is the working copy: update a cost in two minutes, rerun the plan, and every number your board sees stays current.
A live dashboard with your funding level, band, balance vs. fully funded balance, and the next five expenditures coming at you.
Unlimited components with lives, costs, and quantities. Remaining life ages automatically at fiscal-year rollover — with your confirmation.
Compare funding plans side by side: raise contributions, add a special assessment, take a loan. See the balance curves overlaid.
A clean, meeting-quality report: summary verdict, percent-funded gauge, component table, 30-year projection, and methodology.
Email nudges 60 and 30 days before fiscal year end — so the plan gets updated when it matters, not when someone remembers.
Give your board and homeowners a live view of the plan without accounts, attachments, or version confusion.
Seed your plan from 60 curated components with typical useful lives and national cost ranges — sourced and regularly reviewed.
Straight-line and cash-flow calculations from the same engine as our free calculator — the conventions professional studies use.
forever
or $6/mo, per association
up to 5 associations
Included free with any core Effortless HOA subscription ($3/home/month) — dues collection, communication, and reserve planning in one place.
Professional reserve studies include on-site inspections and engineering judgment that software can't replicate, and several states require them on a fixed cycle. Use Reserve Planner to keep the plan current between studies — so each study starts from clean data, and budget season never starts from a stale PDF.
Reserve study requirements by state →