Percent funded is your reserve balance divided by your fully funded balance — the single number that tells an HOA board how healthy its reserves are. Enter two numbers below (or let the guided mode estimate your fully funded balance) to see where your community stands. Above 70% is strong; below 30% signals elevated special-assessment risk.
Two inputs: your balance, and what a fully funded reserve would hold.
Find this in your reserve study — often labeled “fully funded balance” or “100% funded balance.”
Balance ÷ fully funded balance.
Full calculator: 30-year projection + funding plan, free.
Percent funded = reserve balance ÷ fully funded balance × 100
The fully funded balance is what your reserves would hold if every component had been funded exactly in step with its aging: each component contributes replacement cost × (age ÷ useful life). It is the standard benchmark used by professional reserve studies under CAI's National Reserve Study Standards.
It tells you where you are — not what to contribute next year. For that, run the full reserve fund calculator, which projects your balance 30 years forward and recommends an annual contribution using both standard funding methods.
Reserve Planner keeps your components, balance, and percent funded current between professional studies — with a board-ready PDF.
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