Is your HOA reserve fund enough for the next 30 years?
Drop your reserve component list. Reservetally works out the reserve needed component by component, your percent funded and deficiency per unit, 30 years of cash flow and the lowest contribution that keeps the fund above water. It runs in your browser; nothing is uploaded.
How it works
- Copy your component list from your latest reserve study into the template (or any CSV or Excel sheet) and drop it here — or try the sample.
- Type the projected balance, next year's contribution and your rates, then read percent funded, the 30-year answer and every check.
- Bring the worksheet to the board and compare it with your reserve specialist's numbers.
Why Reservetally
For volunteer treasurers and board members of self-managed HOAs and condo associations who need to check reserve funding before the budget meeting — without buying reserve software or uploading the association's numbers.
Your study's component list
A CSV or Excel list with each component's replacement cost, useful life and remaining life (or the year installed). Copy it from your last reserve study or start from the template.
Reserve needed and percent funded
Component by component: current replacement cost × years in service ÷ useful life, the California §5570(b)(4) formula. Then percent funded and the deficiency per unit.
30 years of cash flow
Contributions, interest, inflation and every replacement as it comes due, year by year — and a plain yes or no: does the fund last 30 years?
The lowest safe contribution
The smallest contribution next year, growing at your rate, that never lets reserves fall below your floor. Per unit per month, too.
Checks before the meeting
Duplicate rows, a remaining life longer than the useful life, components due now, missing costs, components past 30 years and an interest rate that looks high.
Print or export
Print the worksheet for the board packet, or with Pro get the Excel workbook, the 30-year plan CSV and the components CSV.
Simple pricing
Free for percent funded, the 30-year test, the lowest safe contribution and every check. Pro for every component, all 30 years and the exports.
Free
- Any number of components
- Percent funded, the 30-year test, the lowest safe contribution and every check
- First 25 components and 5 years, print with a footer
- No signup, nothing uploaded
7-day pass
- 7 days of Pro, no subscription
- Every component and all 30 years, print without footer
- Excel workbook and 30-year plan CSV
- Components CSV
Pro Yearly Best value
- Everything in Pro
- Next year's budget season included
- Costs less than 6 months of monthly
Prices in USD. Secure checkout and sales tax handled by our payment partner. Already bought? Enter your license key.
Tools & guides
- HOA reserve funding calculator: percent funded and a 30-year plan
- Percent funded, worked out from your component list
- The numbers for your §5570 disclosure summary
- California HOA Annual Budget Report: What's Due and When
- How Often Does an HOA Need a Reserve Study?
- Is Our HOA Reserve Fund Underfunded? Reading Percent Funded
- A free, no-account alternative to ReservePath for a quick reserve check
- HOA reserve software prices, side by side
FAQ
What does Reservetally do?
It reads your association's reserve component list and works out the reserve needed (the §5570(b)(4) formula), percent funded, the deficiency per unit, a 30-year cash flow and the lowest contribution that keeps the fund above your floor. It doesn't do inspections or file anything.
Is this a reserve study?
No. A reserve study includes a visual inspection by a specialist and is required in California at least every three years (Civ. Code §5550). Reservetally checks and updates the numbers from one.
Is my data uploaded?
No. Your files are read by JavaScript in your browser tab and never sent to us or anyone else. Components aren't stored, so closing the tab clears them. Settings can be saved in this browser.
What's free?
Importing any number of components, the reserve needed, percent funded, the 30-year answer, the lowest safe contribution, every check, the first 25 components and the first 5 projection years on screen and in print (with a footer). Pro shows and prints everything and exports the Excel workbook and both CSVs.
How does the 30-year plan work?
Each year: start balance + contribution + interest on the start balance − replacements due that year (at today's cost inflated). A replaced component starts its useful life again. Remaining life 0 means due now, paid in the first projection year.
What isn't covered?
Component inventories, inspections, special assessments, loans, taxes on interest and other states' disclosure forms. The results are only as good as the component list.
Is this legal or financial advice?
No. Reservetally applies the formula it describes to the numbers you provide. Your reserve study, governing documents and adviser come first.