Reserve Fund Health Calculator
Enter high-level reserve information to explore whether the available indicators appear stronger, mixed or in need of closer investigation.
Stronger Indicators
The high-level information appears more favourable, although the repair schedule and study assumptions still require review.
Enter the available reserve information.
Use the latest financial statements and reserve fund study when available.
The reserve balance alone cannot determine whether a corporation is adequately funded. Planned repairs, inflation, study assumptions and annual contributions must also be considered.
What determines whether a reserve fund is healthy?
The available cash balance is only one part of the picture. A meaningful review compares the balance with future repair obligations and the funding plan.
Planned repair costs
Roofing, paving, elevators, windows, mechanical systems and building-envelope work may create substantial future costs.
Contribution schedule
The study generally recommends how much should be contributed each year to help fund upcoming repairs.
Inflation and timing
Construction costs, project delays and updated estimates may affect whether the existing funding plan remains realistic.
A large reserve balance does not automatically mean the fund is healthy.
Clearwise Reports compares the available reserve-fund study, financial statements, contribution schedule, budgets and meeting minutes to provide greater context.
This calculator provides general educational information based solely on the data entered. It does not determine reserve-fund adequacy, predict repair costs or replace a professional reserve-fund study, legal advice, engineering advice, accounting advice or investment advice.