Property operations

Capital Reserve Adequacy Calculator

Compare current reserves and contributions with a future capital plan. Enter your own assumptions and local rates.

What this calculator estimates

Compare current reserves and contributions with a future capital plan. It combines the inputs below to produce Projected reserve surplus / shortfall. Every assumption remains editable so the estimate can reflect the property, financing and location being evaluated.

Worked example

Using the displayed sample assumptions, the calculator produces -$51,835. This is an illustration, not a market quote. Change one input at a time to understand what drives the result.

Inputs and assumptions

• Current reserve balance — sample input: 150000 currency units
• Annual reserve contribution — sample input: 30000 currency units
• Reserve investment return — sample input: 3 %
• Planning period — sample input: 5 years
• Planned replacements over period — sample input: 350000 currency units
• Capital contingency — sample input: 10 %

How to interpret the result

Reconcile the result with leases, invoices and property records. Compare a conservative case with an expected case and keep a record of the assumptions used.

Common mistake to avoid

Do not mix physical occupancy with economic occupancy. Local definitions, taxes, lending practices and measurement requirements can materially change the result.

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Reviewed 2026-09-08.