Free HOA Reserve Study Calculator

Build your component inventory, model funding under standard reserve-study methodology, and see whether your association's reserves are on track. No signup required to run it — create a free account anytime to save your results.

Start your reserve study

A reserve study is a plan for your HOA's big, expensive, infrequent expenses — a roof replacement, repaving the parking lot, replacing a pool. It answers one question: are you saving enough today to cover those costs when they come due, without a surprise bill to every homeowner?

This walks you through it step by step — no experience with reserve studies required.

This tool produces a planning estimate, not a substitute for a certified reserve study where one is legally required. Your progress is not saved unless you create a free account.