Homeowners get blindsided by predictable costs (roof, HVAC, water heater) because nothing was set aside for them.
Estimating your reserve from your home's age and major systems means a roof or water heater replacement isn't a surprise, it's already budgeted for.
Backed by a 30-day money-back guarantee. If it is not useful, we will refund it, no questions asked.
Homeowners get blindsided by predictable costs (roof, HVAC, water heater) because nothing was set aside for them.
Estimates a reserve target from home age and major-system lifespans, not a flat 1%-of-value rule of thumb.
We built this after seeing too many homeowners treat a new roof or HVAC system as a surprise expense, when its lifespan was knowable the whole time.
— DaveWays
Estimates what to save based on each major system's age and typical lifespan, not a generic 1%-of-home-value guess.
Calculates years remaining per system so you know which one to prioritize saving for first.
Totals the Monthly Reserve Needed column across every system for your real household target.
Do I need an inspection report to fill this in?
It helps but isn't required. A reasonable estimate of each system's age from memory or the seller's disclosure works fine to start.
Does this replace homeowners insurance?
No, this is a savings-planning tool for expected wear-and-tear replacement, not insurance for sudden damage or disasters.
How often should I update it?
Once a year, and right after replacing any system, so your reserve target stays accurate.
Want the rest of the set? Personal Finance Complete Bundle or browse every Personal Finance tool individually.
Home Maintenance Reserve Tracker (Free Preview) — download a condensed version free, no purchase required, to see if it's a fit before you buy.
Home Maintenance Reserve Tracker is $12.99 USD, one-time payment, instant delivery, no subscription. Covered by our 30-day money-back guarantee. See our refund policy and terms.
