Reserve Studies & Capital Planning

The Living Reserve Study — Always Current. Never Stale.

Traditional reserve studies gather dust the day they’re printed. HOA Alchemy keeps your reserve plan alive — tracking every component, forecasting 30 years ahead, and updating in real time.

SOC 2
GDPR
CAI Member
ECHO
30yr
Funding Projections
Live
Real-Time Updates
What-If Scenarios
Bid→Close
Project Tracking
Living Reserve Study

Your Reserve Plan Updates as Your Community Does

Most reserve studies are static documents — outdated the moment a project finishes or a cost changes. HOA Alchemy’s Living Reserve Study is different. Every time you complete a roof replacement, repave a parking lot, or update a vendor quote, your reserve plan recalculates automatically.

  • Real-time updates — never rely on stale data again
  • Automatic recalculation when projects complete
  • Accessible anytime from desktop or mobile
  • Annual reviews take minutes instead of weeks
  • Full audit trail of every change
Dashboard
74%
Funded
$1.2M
Reserve Balance
42
Components
30-YEAR PROJECTION
Roof replacement completed
Plan recalculated · 3 minutes ago
Components
Clubhouse Roof$185,000
25 yrs
87%
Pool & Equipment$52,000
12 yrs
91%
Parking Lot Resurface$220,000
15 yrs
45%
HVAC — Main Building$68,000
18 yrs
62%
Elevator Modernization$110,000
20 yrs
28%
Component Inventory

Every Asset Tracked, Mapped, and Documented

Maintain a complete, detailed inventory of every reserve component — from roofs and HVAC systems to pools, elevators, and parking lots. Track useful life, current condition, replacement cost, and funding status. Attach specs, photos, supplier info, and historical maintenance records.

  • Unlimited components with full lifecycle tracking
  • Map components to exact property locations and zones
  • Store specs, photos, supplier info, and maintenance history
  • Link each asset to GL codes and cost forecasts
  • Color-coded funding health — green, yellow, red at a glance
Capital Planning & Forecasting

Forecast 30 Years of Costs — Spot Gaps Before They Hurt

See exactly when your reserve fund will hit critical thresholds. HOA Alchemy projects your balance year by year, accounting for contributions, scheduled replacements, inflation, and interest earnings.

30-Year Funding Projection
Healthy Zone (>70%)At Risk (<30%)20262030203420382042204620502056$0$1.5M$3M
Reserve Balance
Scheduled Replacements
📊
Year-by-Year Projections
See your reserve balance trajectory across every year for 30 years
🎯
Contribution Recommendations
Annual contribution levels that prevent special assessments
⚠️
Early Warning Alerts
Identify underfunding risk years before they become emergencies
Scenario Planner
ConservativeRecommended
CONTRIBUTION
$18,000/yr
INFLATION
2.5%
FUNDED
82%
Moderate
CONTRIBUTION
$14,500/yr
INFLATION
3.0%
FUNDED
68%
Current Plan
CONTRIBUTION
$12,000/yr
INFLATION
3.2%
FUNDED
51%
+ Add New Scenario
What-If Scenario Modeling

Test Every Funding Strategy Before You Commit

Run unlimited scenarios to model the impact of different board decisions. Adjust annual contributions, inflation assumptions, interest rates, or component costs. Compare outcomes side by side and identify the optimal strategy that keeps your community funded without over-assessing homeowners.

  • Compare multiple scenarios side by side
  • Adjust contributions, inflation, and interest rates
  • Defer or accelerate replacements to test timing
  • Preview budget impact in real time
  • Recommended scenario flagged automatically
Integrated Project Management

Track Every Project from Bid to Closeout

Capital projects directly impact your reserve fund. HOA Alchemy integrates project management right into your reserve plan — every roof replacement, parking lot resurface, or elevator modernization is tracked from the first bid to the final invoice. Link projects to components, GL codes, and budget allocations.

  • Create projects for replacements, maintenance, or capital improvements
  • Track status, phases, and payment history at a glance
  • Link projects to reserve components and GL codes
  • Upload bids, contracts, specs, photos, and invoices
  • Compare actuals vs. planned — track cost and timeline variances
Projects
Clubhouse Roof ReplacementIn Progress
Budget: $185,000Spent: $127,400
Pool Deck ResurfaceBid Review
Budget: $52,000Spent: $0
Elevator ModernizationPlanning
Budget: $110,000Spent: $0
3 projects linked to reserve components2 bids pending
Health Score
74%Funded
Healthy
Your Community74%
Similar Communities65%
National Average52%
Reserve Health Score

Know Exactly Where Your Community Stands

Percent-funded is the gold standard metric for reserve health — it compares your current balance to what you should have set aside. HOA Alchemy calculates this automatically, tracks it over time, and benchmarks your score against similar communities and the national average.

  • Green (>70%): Healthy — low special assessment risk
  • Yellow (30–70%): Moderate — increase contributions recommended
  • Red (<30%): At risk — special assessments likely
  • Benchmarked against peer communities and national averages
  • Track score trends over 1, 3, 5, and 10 years
Professional Reports

Board-Ready Reserve Reports in Seconds

Generate comprehensive reserve study reports that your board, CPA, and auditors will actually use. Professional summaries with your community’s branding — executive overview, 30-year projections, component inventory, scenario analysis, and actionable recommendations.

  • Professional PDF export with your community branding
  • Executive summary for board presentations
  • Detailed component inventory with funding analysis
  • 30-year projections with scenario comparisons
  • Share securely with CPA, auditor, or reserve analyst
Report Preview
HOA ALCHEMY
2026 Reserve Study Report
Oakridge Community Association
📋
Executive Summary
Health score, funding status, and key recommendations
📊
30-Year Projections
Year-by-year funding timeline with contribution plan
🔧
Component Inventory
42 components — useful life, cost, and current condition
🔄
Scenario Analysis
3 funding strategies compared with projected outcomes
Recommendations
Board action items and contribution adjustments

Frequently Asked Questions

Ready to Bring Your Reserve Study to Life?

Track every component, forecast 30 years ahead, and keep your plan always current.

Explore More Features

HOA Alchemy is a complete platform. See what else it can do for your community.

One Platform. Every Feature Your Community Needs.

From accounting to resident portals to live field tracking — HOA Alchemy replaces your entire software stack.