Everything a Volunteer Board Needs to Know About HOA Finances

Enter your reserve balance, annual contributions, and upcoming major expenses. Get a health score from 0–100 and a 15-year projection showing exactly when the money runs out — and when it doesn't.

Five key numbers your reserve study is telling you, six red flags that mean trouble, and a plain-English decoder for the dense financial language reserve study engineers use.

Ten warning signs — from deferred maintenance to rising delinquencies — with an 8-question self-check widget that gives you a real-time verdict on your HOA's financial health.

Why special assessments happen, what they typically cost per unit ($3,500–$7,600 in real-world examples), a 7-question risk widget, and five practices that prevent them before they start.

Everything a volunteer board needs to run finances, governance, communications, and operations without a management company — including the five pitfalls that sink most self-managed HOAs.

Calculate the real dollar cost of unpaid dues on your community, understand the 5-rung collections ladder, and learn how delinquency above 15% triggers lender restrictions on unit sales.

A free, professional spreadsheet with 30+ pre-filled line items, budget vs. actual variance columns, and a 10-year reserve projection. Works in Excel, Google Sheets, and LibreOffice.