FUNDPILOT's AI turns 100-page HOA reserve studies into live cash flow models.
Upload your HOA reserve study PDF. Our AI reserve modeler extracts every repair component, models up to 75 years of compound interest and inflation, and calculates your HOA's percent funded trend - no spreadsheets required.
Required by law in 9 states
Does your state require a reserve study?
California, Florida, Nevada, and Washington mandate reserve studies on fixed cycles, with penalties for non-compliance. See every state's requirement, cycle, and official statute.
Informational only, not legal advice. We monitor the official statute pages for changes.
Capabilities
Everything your HOA needs to eliminate special assessment risk.
Designed for board members, treasurers, and property management teams. No spreadsheets required.
Layout-Aware PDF Extraction
Reads every repair line item, replacement year, and estimated cost straight out of your reserve study PDF, even 100-page documents.
30-Year Compound Cash Flow Engine
Fluid range sliders simulate escalated repair outflows and reserve fund investment yields in real time, with straight-line funding targeting a percent-funded goal.
Actuarial Health Score
Fully Funded Balance (FFB) and Percent Funded ratios give early warning before special assessments are needed.
Scenario Comparison
Snapshot the current model and published presets, then overlay up to three balance curves side by side to see which funding plan holds up.
Fullscreen Visualizations
Cash flow, percent funded, expenditure pressure, significance ranking, and category distribution charts all expand to fullscreen for board presentations.
75-Component Reserve Library
Add components from a curated library of 75 common HOA reserve items with lifespan and cost defaults, or bulk import your own via CSV.
Community Hub with Member Access
Invite board members and residents with a passcode. Members view the live model, ask questions about specific components, and publish their own presets.
Executive PDF, CSV, and Excel Reports
ProExport a print-ready PDF with charts and grouped tables, a CSV schedule, or an Excel workbook (Pro) branded with your HOA name for the next board meeting.