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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8" />
<meta name="viewport" content="width=device-width, initial-scale=1.0" />
<title>HOA LedgerIQ — AI-Powered HOA Accounting, Reserve &amp; Investment Software</title>
<!-- SEO -->
<meta name="description" content="HOA LedgerIQ is AI-powered HOA finance software for board treasurers, property managers, and CPAs. Cash flow forecasting, reserve fund planning, investment recommendations, and one-click board reports. Start a 14-day free trial." />
<meta name="keywords" content="HOA accounting software, HOA finance software, reserve fund planning, HOA investment management, board treasurer software, property management accounting, AI HOA software" />
<meta name="author" content="HOA LedgerIQ" />
<meta name="robots" content="index, follow" />
<link rel="canonical" href="https://www.hoaledgeriq.com/" />
<!-- Open Graph -->
<meta property="og:type" content="website" />
<meta property="og:url" content="https://www.hoaledgeriq.com/" />
<meta property="og:title" content="HOA LedgerIQ — AI-Powered HOA Finance Management" />
<meta property="og:description" content="Reserve planning, cash flow forecasting, and AI investment recommendations for community associations. Start a 14-day free trial." />
<meta property="og:image" content="https://www.hoaledgeriq.com/img/screenshot-dashboard.png" />
<meta property="og:site_name" content="HOA LedgerIQ" />
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<meta name="twitter:card" content="summary_large_image" />
<meta name="twitter:title" content="HOA LedgerIQ — AI-Powered HOA Finance Management" />
<meta name="twitter:description" content="AI-powered HOA accounting, reserve planning, and investment recommendations. 14-day free trial." />
<meta name="twitter:image" content="https://www.hoaledgeriq.com/img/screenshot-dashboard.png" />
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<link rel="preload" as="image" href="img/screenshot-dashboard.png" />
<link rel="dns-prefetch" href="//app.hoaledgeriq.com" />
<link rel="preconnect" href="https://app.hoaledgeriq.com" crossorigin />
<link rel="stylesheet" href="styles.css" />
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</head>
<body>
<a href="#main" class="skip-link">Skip to main content</a>
<!-- NAV -->
<header class="nav" id="nav">
<div class="nav-inner">
<a href="#top" class="nav-logo" aria-label="HOA LedgerIQ home">
<img src="logo_house_transparent.svg" alt="HOA LedgerIQ" class="logo-img" width="132" height="36" />
</a>
<nav class="nav-links" id="navLinks" aria-label="Primary">
<a href="#features">Features</a>
<a href="#how">How it works</a>
<a href="#ai">AI</a>
<a href="#pricing">Pricing</a>
<a href="#faq">FAQ</a>
<a href="articles/">Insights</a>
</nav>
<div class="nav-cta">
<a href="https://app.hoaledgeriq.com" class="btn btn-quiet" target="_blank" rel="noopener">Sign in</a>
<a href="https://app.hoaledgeriq.com/pricing?utm_source=marketing&amp;utm_medium=nav&amp;utm_campaign=v2" class="btn btn-primary" target="_blank" rel="noopener">Start free trial</a>
</div>
<button class="nav-toggle" id="navToggle" aria-label="Open navigation menu" aria-expanded="false" aria-controls="navLinks">
<span></span><span></span><span></span>
</button>
</div>
</header>
<main id="main">
<!-- HERO -->
<section class="hero" id="top">
<div class="container hero-inner">
<p class="eyebrow">AI-Powered HOA Finance</p>
<h1 class="hero-headline">
Your HOA finances,<br />
<span class="accent">finally under control.</span>
</h1>
<p class="hero-sub">
Cash flow forecasting, reserve planning, and AI investment recommendations — built for board treasurers,
property managers, and CPAs. Replace error-prone spreadsheets with one beautifully simple platform.
</p>
<div class="hero-actions">
<a href="https://app.hoaledgeriq.com/pricing?utm_source=marketing&amp;utm_medium=hero&amp;utm_campaign=v2" class="btn btn-primary btn-lg" target="_blank" rel="noopener">Start your 14-day free trial</a>
<button class="btn btn-link btn-lg" id="openCalc" type="button">Get your free Financial Health Score&nbsp;</button>
</div>
<p class="hero-fineprint">No credit card. No setup fees. No contracts.</p>
</div>
<div class="container hero-visual">
<div class="device-frame">
<img
src="img/screenshot-dashboard.png"
alt="HOA LedgerIQ dashboard showing operating and reserve fund health scores"
width="2400" height="1500"
fetchpriority="high"
class="device-shot"
/>
</div>
</div>
</section>
<!-- TRUST BAR -->
<section class="trustbar" aria-label="Trust and security">
<div class="container trustbar-inner">
<div class="trust-item"><span class="trust-icon" aria-hidden="true">🔒</span> 256-bit encryption</div>
<div class="trust-item"><span class="trust-icon" aria-hidden="true">🏦</span> Bank-level security</div>
<div class="trust-item"><span class="trust-icon" aria-hidden="true">📑</span> Audit-ready trail</div>
<div class="trust-item"><span class="trust-icon" aria-hidden="true"></span> Live in under 30 min</div>
</div>
</section>
<!-- HOW IT WORKS -->
<section class="section section--light" id="how">
<div class="container">
<p class="eyebrow eyebrow--center">How it works</p>
<h2 class="section-title section-title--center">Replace spreadsheets in three steps.</h2>
<div class="steps">
<article class="step">
<div class="step-num">1</div>
<h3>Configure your accounts</h3>
<p>Define your operating bank, reserve investments, and prior financials. No CSV gymnastics — most communities are live in under thirty minutes.</p>
</article>
<article class="step">
<div class="step-num">2</div>
<h3>AI builds your forecast</h3>
<p>LedgerIQ analyzes spending patterns, reserve study commitments, budget vs actuals, and projected cash flow to surface a year-by-year funding plan you can actually defend at a board meeting.</p>
</article>
<article class="step">
<div class="step-num">3</div>
<h3>One-click board reports</h3>
<p>Generate polished PDF and Excel reports — income statements, variance, balance sheets, reserve scorecard — in a single click. Hand off to your CPA in minutes, not weeks.</p>
</article>
</div>
</div>
</section>
<!-- FEATURES -->
<section class="section" id="features">
<div class="container">
<p class="eyebrow eyebrow--center">Core capabilities</p>
<h2 class="section-title section-title--center">Everything the board needs.<br /><span class="muted">Nothing they don't.</span></h2>
<div class="features-grid">
<a href="investment-management.html" class="feature-card feature-card--featured">
<div class="feature-tag">Powered by GPT-4</div>
<h3>AI Investment Advisor</h3>
<p>Intelligent recommendations that maximize interest income while preserving the liquidity you need for operating costs and capital projects.</p>
<span class="feature-link">Learn more </span>
</a>
<article class="feature-card">
<div class="feature-emoji" aria-hidden="true">📊</div>
<h3>Cash Flow Visibility</h3>
<p>Real-time budget vs. actuals with forward-looking projections so you can time capital projects with confidence.</p>
</article>
<a href="reserve-study-software.html" class="feature-card">
<div class="feature-emoji" aria-hidden="true">🏦</div>
<h3>Reserve Fund Forecasting</h3>
<p>Five-year capital project planning, asset inventory with lifespans, and continuous tracking against your reserve study.</p>
<span class="feature-link">Learn more </span>
</a>
<article class="feature-card">
<div class="feature-emoji" aria-hidden="true">🔔</div>
<h3>Budget &amp; Assessment Planning</h3>
<p>Model next year's budget and special-assessment scenarios against real data — no more guesswork at the board table.</p>
</article>
<article class="feature-card">
<div class="feature-emoji" aria-hidden="true">📄</div>
<h3>One-Click Board Reports</h3>
<p>Beautiful PDF and Excel reports ready for every meeting — income statements, balance sheets, variance analysis.</p>
</article>
<article class="feature-card">
<div class="feature-emoji" aria-hidden="true">🔒</div>
<h3>Audit-Ready Compliance</h3>
<p>Every transaction is timestamped, signed, and stored with a complete audit trail. Year-end CPA handoffs take minutes.</p>
</article>
</div>
</div>
</section>
<!-- AI SHOWCASE (Dark Apple-style) -->
<section class="section section--dark" id="ai">
<div class="container ai-inner">
<div class="ai-text">
<p class="eyebrow eyebrow--light">AI at the core</p>
<h2 class="section-title section-title--light">Ask plain-English questions.<br />Get board-meeting answers.</h2>
<p class="ai-sub">Proactive anomaly alerts. Funding shortfall warnings. Investment strategy aligned to your predicted cash flow. No CPA on speed dial required.</p>
<ul class="ai-bullets">
<li>Budget vs. actual variance reporting</li>
<li>Predictive cash flow modeling</li>
<li>AI investment recommendations</li>
<li>Integrated capital project planning</li>
<li>One-click board meeting reports</li>
<li>AI-rated health scores for operating &amp; reserve funds</li>
</ul>
</div>
<div class="ai-visual" aria-label="Sample AI conversation">
<div class="chat-bubble chat-bubble--user">What investment strategy should we implement given our forecasted cash flow?</div>
<div class="chat-bubble chat-bubble--ai">
<span class="ai-label">✦ LedgerIQ AI</span>
Operating funds are currently under-utilized. With over $100k projected in cash by April, deploying $40k into a short-term CD significantly boosts interest income without compromising liquidity for monthly expenses or emergencies.
</div>
<div class="chat-bubble chat-bubble--user">Are we on track to fully fund reserves by year-end?</div>
<div class="chat-bubble chat-bubble--ai">
<span class="ai-label">✦ LedgerIQ AI</span>
Yes — at the current contribution rate you'll hit 98% reserve funding by Dec 31. No corrective action needed. Reserve study renewal is due in March.
</div>
</div>
</div>
</section>
<!-- PRICING -->
<section class="section section--light" id="pricing">
<div class="container">
<p class="eyebrow eyebrow--center">Simple, transparent pricing</p>
<h2 class="section-title section-title--center">Pick the plan that fits your community.</h2>
<p class="section-sub">All plans include a 14-day free trial. No setup fees. No contracts. Annual Discounts also available</p>
<div class="billing-toggle" role="tablist" aria-label="Billing interval">
<button class="billing-opt is-active" data-billing="month" role="tab" aria-selected="true">Monthly</button>
<button class="billing-opt" data-billing="year" role="tab" aria-selected="false">Annual <span class="save-badge">Save 25%</span></button>
</div>
<div class="pricing-grid">
<article class="price-card">
<header>
<h3 class="price-name">Starter</h3>
<p class="price-desc">For small communities getting started.</p>
</header>
<div class="price-amount">
<span class="price-num" data-monthly="29" data-annual="21.75">$29</span>
<span class="price-per" data-monthly="/month" data-annual="/mo billed annually">/month</span>
</div>
<a href="https://app.hoaledgeriq.com/pricing?plan=starter&amp;utm_source=marketing&amp;utm_medium=pricing&amp;utm_campaign=v2" class="btn btn-outline btn-block" target="_blank" rel="noopener">Start free trial</a>
<ul class="price-feats">
<li>Up to 50 units</li>
<li>Chart of accounts</li>
<li>Assessment tracking</li>
<li>Basic reports</li>
<li class="muted-feat">Board planning &amp; scenarios</li>
<li class="muted-feat">AI Investment Advisor</li>
</ul>
</article>
<article class="price-card price-card--featured">
<div class="price-flag">Most popular</div>
<header>
<h3 class="price-name">Professional</h3>
<p class="price-desc">For growing HOAs that need full features.</p>
</header>
<div class="price-amount">
<span class="price-num" data-monthly="79" data-annual="59.25">$79</span>
<span class="price-per" data-monthly="/month" data-annual="/mo billed annually">/month</span>
</div>
<a href="https://app.hoaledgeriq.com/pricing?plan=professional&amp;utm_source=marketing&amp;utm_medium=pricing&amp;utm_campaign=v2" class="btn btn-primary btn-block" target="_blank" rel="noopener">Start free trial</a>
<ul class="price-feats">
<li>Up to 200 units</li>
<li>Everything in Starter</li>
<li>Board planning &amp; scenarios</li>
<li>AI Investment Advisor</li>
<li>Advanced reports</li>
<li class="muted-feat">Priority support</li>
</ul>
</article>
<article class="price-card">
<header>
<h3 class="price-name">Enterprise</h3>
<p class="price-desc">For large communities and management firms.</p>
</header>
<div class="price-amount">
<span class="price-num">Custom</span>
<span class="price-per">contact us</span>
</div>
<a href="#contact" class="btn btn-outline btn-block">Talk to sales</a>
<ul class="price-feats">
<li>Unlimited units</li>
<li>Everything in Professional</li>
<li>Priority support</li>
<li>Custom integrations</li>
<li>Dedicated account manager</li>
<li>SLA guarantee</li>
</ul>
</article>
</div>
<div class="compare-wrap">
<h3 class="compare-title">How it compares</h3>
<div class="compare-table-wrap">
<table class="compare-table">
<thead>
<tr>
<th scope="col">Capability</th>
<th scope="col">Spreadsheets</th>
<th scope="col">Legacy HOA accounting</th>
<th scope="col" class="th-highlight">HOA LedgerIQ</th>
</tr>
</thead>
<tbody>
<tr><th scope="row">AI cash-flow forecasting</th><td></td><td></td><td class="cell-yes">Included</td></tr>
<tr><th scope="row">Reserve fund scoring</th><td></td><td>Limited</td><td class="cell-yes">Included</td></tr>
<tr><th scope="row">AI investment advisor</th><td></td><td></td><td class="cell-yes">Included</td></tr>
<tr><th scope="row">One-click board reports</th><td>Manual</td><td>Manual</td><td class="cell-yes">Included</td></tr>
<tr><th scope="row">Signed audit trail</th><td></td><td>Partial</td><td class="cell-yes">Included</td></tr>
<tr><th scope="row">Setup time</th><td>Hours per month</td><td>Weeks</td><td class="cell-yes">Under 30 min</td></tr>
</tbody>
</table>
</div>
</div>
</div>
</section>
<!-- FAQ -->
<section class="section" id="faq">
<div class="container container--narrow">
<p class="eyebrow eyebrow--center">Frequently asked questions</p>
<h2 class="section-title section-title--center">Answers, before you ask.</h2>
<div class="faq">
<details class="faq-item">
<summary>How long is the free trial?</summary>
<p>Every plan includes a 14-day free trial. No credit card required to explore the platform, no setup fees, and no long-term contracts.</p>
</details>
<details class="faq-item">
<summary>Is my financial data secure?</summary>
<p>Yes. HOA LedgerIQ uses bank-level 256-bit encryption in transit and at rest. Every transaction is timestamped and signed for a complete audit trail that satisfies CPA and reserve-study reviews.</p>
</details>
<details class="faq-item">
<summary>Do I need to be an accountant to use it?</summary>
<p>No. The platform is built for board treasurers, property managers, and board members — not just CPAs. The AI assistant answers complex financial questions in plain English.</p>
</details>
<details class="faq-item">
<summary>Does it replace our reserve study?</summary>
<p>It works alongside it. LedgerIQ keeps your funding plan live against actual cash flow, so the reserve study stays useful between formal updates rather than going stale on a shelf.</p>
</details>
<details class="faq-item">
<summary>Can property management firms manage multiple communities?</summary>
<p>Yes. The Enterprise plan supports multiple communities in a single management workspace.</p>
</details>
<details class="faq-item">
<summary>How quickly can we get started?</summary>
<p>Most communities are live in under thirty minutes. Connect bank and investment accounts, upload prior-year financials, and the AI builds your initial forecast automatically.</p>
</details>
<details class="faq-item">
<summary>Can I cancel anytime?</summary>
<p>Yes. There are no long-term contracts. Cancel from the dashboard with no penalties.</p>
</details>
</div>
</div>
</section>
<!-- CTA -->
<section class="cta-section" id="contact">
<div class="container cta-inner">
<h2 class="cta-title">Ready to stop flying blind?</h2>
<p class="cta-sub">Start your free 14-day trial. Be live before the next board meeting.</p>
<div class="cta-actions">
<a href="https://app.hoaledgeriq.com/pricing?utm_source=marketing&amp;utm_medium=cta&amp;utm_campaign=v2" class="btn btn-primary btn-lg" target="_blank" rel="noopener">Start free trial</a>
<button class="btn btn-link btn-lg" id="openCalc2" type="button">Get your Financial Health Score&nbsp;</button>
</div>
</div>
</section>
</main>
<!-- FOOTER -->
<footer class="footer">
<div class="container footer-inner">
<div class="footer-brand">
<img src="logo_house_transparent.svg" alt="HOA LedgerIQ" class="logo-img logo-img--footer" width="117" height="32" />
<p class="footer-tag">AI-powered HOA finance management.</p>
</div>
<div class="footer-cols">
<div class="footer-col">
<h4>Product</h4>
<a href="#features">Features</a>
<a href="#how">How it works</a>
<a href="#pricing">Pricing</a>
<a href="https://app.hoaledgeriq.com/pricing" target="_blank" rel="noopener">Start free trial</a>
</div>
<div class="footer-col">
<h4>Solutions</h4>
<a href="investment-management.html">Investment management</a>
<a href="reserve-study-software.html">Reserve studies</a>
<a href="special-assessment-calculator.html">Special assessment calculator</a>
<a href="articles/">Insights</a>
</div>
<div class="footer-col">
<h4>Company</h4>
<a href="#contact">Contact</a>
<a href="privacy.html">Privacy</a>
<a href="terms.html">Terms</a>
</div>
</div>
</div>
<div class="footer-bottom">
<div class="container footer-bottom-inner">
<span>© 2026 HOA LedgerIQ. All rights reserved.</span>
<span class="footer-fineprint">Bank-level 256-bit encryption · Audit-ready</span>
</div>
</div>
</footer>
<!-- ROI CALCULATOR MODAL -->
<div class="calc-overlay" id="calcOverlay" aria-modal="true" role="dialog" aria-labelledby="calcTitle">
<div class="calc-modal">
<button class="calc-close" id="calcClose" aria-label="Close calculator">×</button>
<div class="calc-header">
<p class="eyebrow">Financial Health Score</p>
<h2 id="calcTitle">See what HOA LedgerIQ could earn your community.</h2>
<p>Answer a few quick questions for a personalized, AI-driven interest income estimate.</p>
</div>
<div id="calcForm">
<div class="calc-grid">
<div class="calc-field">
<label for="calcHomesites">Number of homesites</label>
<input type="number" id="calcHomesites" placeholder="e.g. 150" min="1" />
</div>
<div class="calc-field">
<label for="calcPropertyType">Property type</label>
<select id="calcPropertyType">
<option value="">Select type…</option>
<option value="sfh">Single family homes</option>
<option value="townhomes">Townhomes</option>
<option value="condos">Condos</option>
<option value="mixed">Mixed use</option>
</select>
</div>
<div class="calc-field">
<label for="calcAnnualIncome">Annual dues income</label>
<div class="input-prefix-wrap"><span class="input-prefix">$</span>
<input type="number" id="calcAnnualIncome" placeholder="e.g. 250,000" min="0" />
</div>
</div>
<div class="calc-field">
<label for="calcPaymentFreq">Dues payment frequency</label>
<select id="calcPaymentFreq">
<option value="monthly">Monthly</option>
<option value="quarterly">Quarterly</option>
<option value="annually">Annually</option>
</select>
</div>
<div class="calc-field">
<label for="calcReserveFunds">Current reserve fund balance</label>
<div class="input-prefix-wrap"><span class="input-prefix">$</span>
<input type="number" id="calcReserveFunds" placeholder="e.g. 500,000" min="0" />
</div>
</div>
<div class="calc-field">
<label for="calcInterest2025">Interest income earned in 2025</label>
<div class="input-prefix-wrap"><span class="input-prefix">$</span>
<input type="number" id="calcInterest2025" placeholder="e.g. 4,500" min="0" />
</div>
</div>
</div>
<p class="calc-error hidden" id="calcError">Please fill in homesites and annual dues income to continue.</p>
<div class="calc-email-row">
<div class="calc-field calc-field--full">
<label for="calcEmail">Your email address <span class="calc-optional">(recommended)</span></label>
<input type="email" id="calcEmail" placeholder="you@example.com" />
</div>
<label class="calc-optin-label">
<input type="checkbox" id="calcOptIn" checked />
<span>Send me occasional HOA finance insights.</span>
</label>
<p class="calc-privacy">🔒 Your email and inputs are used only to provide your estimate. We never share with third parties.</p>
</div>
<button class="btn btn-primary btn-lg calc-submit-btn" id="calcSubmit" type="button">
<span class="calc-btn-text">Show my free Health Score </span>
<span class="calc-btn-loading hidden"><span class="calc-spinner"></span> Calculating…</span>
</button>
<p class="calc-fine">Conservative, illustrative estimates only. Not financial advice.</p>
</div>
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<div class="result-label">Estimated annual interest income potential</div>
<div class="result-amount" id="resultAmount">$0</div>
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<span>vs. your 2025 earnings: <strong id="resultCurrent">$0</strong></span>
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<div class="result-row"><span>Operating fund cash management</span><span class="result-row-val" id="resultOperating">$0</span></div>
<div class="result-row"><span>Reserve fund investment income</span><span class="result-row-val" id="resultReserve">$0</span></div>
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<p>This is a high-level estimate. Inside HOA LedgerIQ, your investment strategy is continuously refined against live cash flows, upcoming expenses, and reserve study timelines — automatically maximizing yield while keeping your community fully liquid.</p>
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<p>Ready to put these gains to work for your community?</p>
<a href="https://app.hoaledgeriq.com/pricing?utm_source=marketing&amp;utm_medium=calculator&amp;utm_campaign=v2" class="btn btn-primary btn-lg calc-cta-btn" id="calcCTABtn" target="_blank" rel="noopener">Start your 14-day free trial </a>
<button class="btn btn-link calc-recalc" id="calcRecalc" type="button">← Recalculate</button>
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