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Reserve Fund Calculator
Evaluate your building's reserve fund health and plan contributions
What is a Reserve Fund Study?
A reserve fund study evaluates the major components of your building — roof, boiler, elevator, facade, plumbing, and windows — to determine how much money should be set aside for future replacements.
Buildings with inadequate reserves face the risk of special assessments when major components fail. A well-funded reserve protects property values and avoids sudden financial burdens on unit owners.
Calculate Your Reserve Fund Needs
Component
Current Age
Lifespan
Replacement Cost
Reserve Fund Best Practices
- Commission a professional reserve study every 3-5 years
- Maintain a funding ratio of at least 70% to avoid special assessments
- Budget for inflation — replacement costs increase 3-5% annually
- Prioritize components nearing end-of-life in your capital plan
- Review reserve fund contributions annually at budget time
Disclaimer: This calculator provides estimates based on simplified assumptions. Actual reserve needs depend on building-specific conditions, local costs, and professional engineering assessments. Consult with a qualified reserve study professional for accurate planning.