HOA reserve fund calculator
Project reserve cash flow, account for inflation and planned component costs, and estimate the flat annual contribution needed to avoid a negative balance.
Reserve inputs
Build a cash-flow projection
Enter current estimates from your latest reserve study, bids, or planning documents when available.
Planned reserve projects
Upcoming components
Enter each project once at its next expected replacement year.
Suggested annual contribution
$26,324
$43.87 per unit · per month
Projected end balance
$292,385
Inflated project costs
$498,157
Current contribution projection
No negative year projected
Based only on the entered projects and assumptions.
$30,000
−$3,676
$40,250
Year 4
Annual reserve balance
| Year | Projects | Project cost | Ending balance |
|---|---|---|---|
| 1 | — | — | $157,500 |
| 2 | — | — | $190,650 |
| 3 | — | — | $224,463 |
| 4 | Exterior painting | $73,158 | $185,794 |
| 5 | — | — | $219,510 |
| 6 | Pavement resurfacing | $107,465 | $146,436 |
| 7 | — | — | $179,364 |
| 8 | — | — | $212,952 |
| 9 | — | — | $247,211 |
| 10 | Roof replacement | $241,905 | $40,250 |
| 11 | — | — | $71,055 |
| 12 | — | — | $102,476 |
| 13 | — | — | $134,525 |
| 14 | Pool and mechanical equipment | $75,629 | $91,586 |
| 15 | — | — | $123,418 |
| 16 | — | — | $155,887 |
| 17 | — | — | $189,004 |
| 18 | — | — | $222,784 |
| 19 | — | — | $257,240 |
| 20 | — | — | $292,385 |
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Schedule a Resinara demoHow the projection works
Visible assumptions, year by year
Each year adds the flat contribution and estimated return, inflates projects scheduled for that year, and subtracts those costs from the reserve balance.
Start with current reserves
Use the association reserve balance and annual contribution as the opening plan.
Schedule major projects
Add each upcoming component with its current estimated cost and expected year.
Test annual funding
The tool finds the minimum flat annual contribution that avoids a negative projected balance.
Questions
Using the projection responsibly
How is the suggested reserve contribution calculated?
The tool finds the lowest flat annual contribution that keeps the entered reserve cash-flow projection from ending any year below zero.
Does this calculate percent funded?
No. Percent funded requires a fully funded balance based on component deterioration and reserve-study methodology. This tool provides a simpler cash-flow projection using the projects entered.
Does this replace a professional reserve study?
No. It does not inspect assets, determine useful lives, validate replacement costs, or apply jurisdiction-specific reserve requirements. Use professional reserve and engineering guidance where appropriate.
Are reserve figures uploaded or saved?
No. Calculations run in your browser, and Resinara does not upload or save the figures entered in this version of the tool.
Planning disclaimer: This tool is educational and is not a reserve study, audit, investment forecast, engineering analysis, or professional financial recommendation.