Find out if your community's reserve fund is on track. Enter your reserve study numbers and see your percent funded status, annual funding gap, and how long it will take to reach full funding.
Enter your community's reserve study data.
Sum of all component replacement costs from your reserve study
How healthy are your reserves?
At your current contribution rate, you'll reach full funding in 14 years.
Your reserve fund is the financial safety net that protects your community from special assessments and deferred maintenance. Here's what the funding levels mean.
Critically underfunded. Your community is at high risk of needing a special assessment when a major component fails. Most reserve study professionals consider this the danger zone, and some states require disclosure of funding levels below 30%.
Partially funded. You have some cushion but may still need a special assessment if multiple components fail in the same year. This is where most HOAs land. A plan to reach 70%+ within 5-10 years is a reasonable target.
Well funded. Your community can handle most planned and unplanned capital expenses from reserves. This is the gold standard that lenders and prospective buyers look for. Property values benefit from strong reserve health.
This calculator gives you a quick snapshot, but a professional reserve study provides a component-by-component analysis with on-site inspections, accurate useful life estimates, and a multi-year funding plan. Most experts recommend updating your reserve study every 3-5 years. Many states require it.
Track reserve contributions, generate financial reports, and plan for capital expenses — all in one platform.
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