Five-year reserve planning My HOA Budget

Try it on a typical condo

A mid-size urban condo, five years out

Starting reserve $1.5M · $500K/yr dues revenue · $420K/yr operating expenses · $1.5M of reserve-study capital work over five years. Switch on the levers your board actually controls and watch where the reserve lands.

5-year ending reserve$535KReserves tight — thin margin
$0HEALTHY TARGET · $1.0M202620272028202920302031$535K
Annual dues increase+5% compounding · $500K/yr → $638K/yr by 2031
5%
Operating expense growth+4% YoY · insurance, vendors, utilities · $420K/yr → $511K/yr by 2031
4%
Board member next stepTurn this scenario into a board-ready next step.

Send the reserve-planning context and keep the follow-up focused on board decisions.

Plan our next five years