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HOA Reserve Fund Calculator

See how well funded your reserves are and how much you need to set aside each year, and per unit each month, to replace components on time.

Percent funded
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Fully funded balance—
Yearly contribution needed—
Per unit, per month—
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How this calculator works

The fully funded balance is the share of each component’s life that has already been used up: replacement cost × (useful life − remaining life) ÷ useful life. Percent funded compares your current balance to that number.

The yearly contribution spreads the remaining shortfall over the remaining life: (replacement cost − current balance) ÷ remaining life. This is a simplified, single-component view. A professional reserve study models each component separately. For a component-by-component plan with inflation and interest, use the HOA reserve contribution calculator.

Estimates only, not financial or legal advice. Results depend on your governing documents and state law.

Frequently asked questions

What is a good percent funded for an HOA?

Many reserve specialists consider 70% or higher strong, 30–70% fair, and below 30% weak, with a higher risk of special assessments.

What is a fully funded balance?

It’s the amount the association would have in reserves if it had saved for every component on schedule since it was new.

Is this calculator a reserve study?

No. It gives a quick estimate. A professional reserve study inspects each component and is often required by state law or lenders.

More HOA calculators

HOA Assessment CalculatorFind the monthly dues each unit needs to cover your budget. HOA Late Fee CalculatorCalculate the late fee and interest on a past-due balance. HOA Special Assessment CalculatorSee the per-unit cost and monthly installment for a project. HOA Reserve Contribution CalculatorPlan yearly reserve contributions with a 30-year projection. Free HOA templatesBudgets, reserve studies, letters, and forms.

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