HOA Budget Calculator
Enter your operating expenses and reserve contribution, and see the per-unit dues your community needs to charge — instantly. Free, no sign-up, all in your browser.
What the HOA sets aside each year for major future repairs and replacements.
Total annual budget
$56,500
Reserve share
26.5%
Dues / unit / month
$118
Dues / unit / year
$1,413
Run your real budget in Stewardly
Track dues against this budget, watch actuals vs. plan, and let the AI flag anomalies — instead of a spreadsheet that only one board member understands. Free for 30 days, no credit card.
Try Stewardly free →Estimates only, for planning. Your actual dues depend on your governing documents, state law, and a proper reserve study.
How to build an HOA budget
A sound HOA budget starts with the operating costs the association pays every year — insurance, landscaping, shared utilities, routine repairs, management, and professional fees — and then adds a reserve contribution for the big-ticket items that wear out over time, like roofs, roads, and painting. Total those, divide by your unit count and twelve, and you have the monthly dues each owner needs to pay to keep the community solvent. Underfunding either half is how associations end up with surprise special assessments.
For a deeper walkthrough, read our step-by-step HOA budget guide, and the guide to collecting dues online once you’ve set the number. Planning for major repairs? Try the reserve fund calculator.
Frequently asked questions
How do I calculate HOA dues from a budget?
Add up every annual operating expense (insurance, landscaping, utilities, maintenance, management, legal/accounting) plus your annual reserve contribution to get the total annual budget. Divide that by the number of units, then by 12, to get the monthly assessment per unit. This calculator does that math as you type.
How much should an HOA put into reserves?
There is no single right number — it depends on your buildings, their age, and the remaining life of major components. The reliable way to set it is a reserve study, which projects each component’s replacement cost and timing. As a habit, boards track their reserve contribution as a share of the total budget and revisit it every year.
Is this calculator free?
Yes, and it runs entirely in your browser — nothing you enter is sent anywhere. To track your real budget against actual dues and expenses over the year, Stewardly does that as part of a free trial.
Run the budget, not just the math
Stewardly tracks dues against your budget, shows actuals vs. plan, and flags anomalies automatically — so the treasurer isn’t reconciling spreadsheets at midnight. Flat-priced per community, 30-day free trial, no credit card.
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