HOA Reserve Fund Calculator
Calculate your reserve fund adequacy, percent funded status, and recommended annual contribution — in under 5 minutes.
Choose Your Building Type
Select a template to pre-populate common reserve components, or start from scratch.
14 components
11 components
10 components
8 components
Custom setup
Disclaimer
This tool is provided for informational and educational purposes only and does not constitute legal, financial, or professional advice. Results are estimates based on the information you provide and may not reflect your association's actual obligations. Laws and regulations vary by jurisdiction and change frequently. Consult a qualified attorney, CPA, or reserve study professional before making decisions based on these results. Propty assumes no liability for actions taken based on this tool's output.
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See How Propty WorksFrequently Asked Questions
What does "percent funded" mean for an HOA?
Percent funded measures how much money your association has in reserves compared to how much you should have, based on the age and replacement cost of your components. Industry experts recommend at least 70% funded status.
How is the Fully Funded Balance calculated?
For each component, the Fully Funded Balance equals the current replacement cost multiplied by the fraction of useful life already consumed (current age divided by useful life). The aggregate FFB is the sum across all components.
What is the straight-line method for reserve contributions?
The straight-line method divides each component's replacement cost by its useful life to determine the annual amount that should be set aside. It's the simplest and most common method for calculating reserve contributions.
Does this calculator replace a professional reserve study?
No. This calculator provides estimates for planning purposes. A professional reserve study includes on-site inspections, engineering assessments, and detailed cost analyses. Many states require periodic professional reserve studies.
What interest and inflation rates should I use?
The default 2.5% interest rate reflects typical money market or CD returns for reserve funds. The default 3.0% inflation rate reflects long-term construction cost increases. Adjust these based on your actual investment returns and local construction market.