The Years Between Studies
A study is commissioned every three to five years. In between, components get replaced, costs come in above or below estimate, and contributions change. The board is asked whether reserves are adequate and has no current answer until the next study arrives.
Component Inventory
Every major asset tracked with acquisition date, cost, useful life, and replacement schedule. The foundation of accurate reserve planning.
Funding Analysis
Multi-method funding calculations that show exactly where you stand and what it takes to reach your target funding level.
Funding Methods
- Full Funding (100% of future obligations)
- Baseline Funding (cash flow method)
- Threshold Funding (minimum balance)
- Statutory Minimum (state requirements)
- Custom funding targets
Analysis Outputs
- Percent funded calculation
- Fully funded balance target
- Annual contribution requirements
- Special assessment scenarios
- Funding gap analysis
30-Year Cash Flow Projections
See exactly when major expenses hit and whether current funding keeps pace. Adjust assumptions and see the impact instantly.
| Projection Element | What It Shows |
|---|---|
| Annual Expenditures | Projected replacement costs by year based on remaining useful life and inflation. |
| Reserve Contributions | Required annual funding to meet target by method (full, baseline, threshold). |
| Ending Fund Balance | Year-end reserve balance after contributions and expenditures. |
| Percent Funded Trend | How funding level changes over the 30-year horizon. |
| Deficit Years | Years where projected balance goes negative without action. |
What-If Scenario Modeling
Model different funding strategies before committing. See the impact of contribution changes, special assessments, or deferred replacements.
Living Document Updates
The report recomputes when the underlying data changes — a component replaced, a contribution posted, a balance moved. No one re-runs anything.
Automatic Triggers
- Reserve fund balance changes
- Component replaced (expenditure posted)
- New component added to registry
- Contribution rate changed
- Useful life adjustment
What Updates
- Percent funded recalculates
- 30-year projections refresh
- Funding recommendations adjust
- Deficit warnings update
- Board reports regenerate
State Compliance
Many states mandate reserve studies and specific disclosure requirements. CommunityPay templates meet statutory requirements by jurisdiction.
Board-Ready Reports
Professional reports that communicate reserve status clearly. Executive summaries for board meetings. Detailed appendices for deep dives.
Report Sections
- Executive summary with key metrics
- Component inventory
- Funding analysis by method
- 30-year cash flow projection
- Expenditure schedule
- Contribution recommendations
Output Formats
- PDF for distribution
- CSV and Excel workbook of the supplementary information schedule
- CSV and Excel workbook of the changes in reserve fund balances
System Integration
The reserve funding status report reads from the ledger and the component register. No duplicate data entry.
A reserve study is only as good as its data. Because CommunityPay is your accounting system, your asset registry, and your payment platform, reserve analysis reflects reality— updated continuously, not every three years.
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