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HOA Reserve Fund Calculator

Estimate how well-funded your association's reserves are. Enter your current balance, your reserve study's fully-funded target, and your annual contribution to see your percent funded and how long it takes to close any gap.

$
$

From your reserve study — the balance needed to cover accrued component deterioration.

$

Percent funded

40%

Fair

Funding shortfall$180,000
Years to fully fund5.0 yrs

Estimate only — a simple ratio, not a substitute for a professional reserve study. It ignores interest, inflation, and the timing of component replacements.

Run your HOA yourself with Anthoam

Anthoam tracks your reserve balance, contributions, and funding plan alongside dues, work orders, and financials — so boards can run the whole community without a management company.