Special Assessment Calculator

# Avoid Special Assessments
With Smart Planning

Special assessments average $3,000-$10,000 per homeowner. Use our free calculator to see how proper reserve planning can help your HOA avoid emergency assessments entirely.

Calculate Your Risk Learn How to Avoid →

## The Special Assessment Problem

64%
of HOAs will levy a special assessment within 5 years
$5,200
Average special assessment per homeowner
73%
Could have been avoided with proper planning
89%
of homeowners say special assessments hurt property values

## Special Assessment Risk Calculator

Find out if your HOA is at risk for a special assessment and how much you should be saving.

Total Number of Units/Homes
Current Reserve Fund Balance
Estimated Cost of Major Repairs Needed (next 5 years)
Monthly HOA Fee per Unit

### Your Assessment Risk:

#### Get Your Complete Analysis

Enter your email to receive a detailed report with:

- ✓ Recommended monthly reserve contribution
- ✓ 5-year capital project forecast
- ✓ Special assessment prevention plan

## How to Avoid Special Assessments

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### 1. Regular Reserve Studies

Conduct reserve studies every 3-5 years and update annually. Know exactly what needs repair and when.

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### 2. Adequate Monthly Funding

Ensure monthly HOA fees include sufficient reserve contributions. Most HOAs underfund reserves by 40-60%.

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### 3. Investment Income

Earn interest on reserve funds. Even a 4% return on $500K reserves = $20,000/year in free money.

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### 4. Continuous Monitoring

Track reserve balances monthly, not annually. Catch funding shortfalls early before they become crises.

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### 5. Capital Planning

Maintain a 5-year capital project plan with realistic cost estimates. Update annually for inflation.

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### 6. AI-Powered Insights

Use AI to analyze spending patterns, predict costs, and optimize reserve funding strategies.

## Warning Signs Your HOA May Need a Special Assessment

- ✓ Reserve fund balance is less than 70% of what the reserve study recommends
- ✓ Monthly HOA fees haven't increased in 3+ years
- ✓ Major capital projects are deferred or postponed
- ✓ The board discusses "surprise expenses" frequently
- ✓ Reserve fund earns less than 1% annual return
- ✓ No one knows the current reserve fund balance
- ✓ The reserve study is more than 5 years old

If 2 or more apply: Your HOA is at high risk for a special assessment.

## Protect Your Community from Special Assessments

Get the tools and insights you need to plan ahead and avoid emergency assessments.

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