Property Decision Desk

True Cost of Owning

Maintenance Reserve Planner

Size an annual maintenance reserve from home value, age, and condition.

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Educational estimate only. Not financial, tax, lending, or real-estate advice. Markets, taxes, and local conditions vary.

How to read this decision

Maintenance Reserve Planner answers the question listings never do: the price behind the price tag. Size an annual maintenance reserve from home value, age, and condition.

There is nothing to install and no account to create — enter numbers, run it, and adjust until the picture is clear.

Methodology & next steps

This tool runs entirely in your browser. Change one input at a time, compare scenarios, and export the report before you talk to an agent or lender.

  1. Start with realistic income, price, rate, and cost assumptions for your market.
  2. Use presets or Snapshot as B to stress-test a second path.
  3. Read the verdict, charts, and schedule — then verify taxes, insurance, and comps locally.
  • Copy report or Print / PDF for a shareable decision page.
  • Save scenarios on this device or copy the share link in the address bar.
  • Export CSV/JSON when you want numbers in a spreadsheet.

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About Maintenance Reserve Planner

What is Maintenance Reserve Planner for?

Size an annual maintenance reserve from home value, age, and condition. It focuses on the price behind the price tag, so you can compare realistic paths instead of a single optimistic listing photo.

How do I use Maintenance Reserve Planner?

Fill in realistic values for your situation and run it. The output shows the key figures side by side, so rerun with different assumptions to stress-test the result.

Is Maintenance Reserve Planner free?

Yes. Maintenance Reserve Planner is free, needs no account, and runs entirely in your browser — your inputs are never uploaded.

Is this financial or real estate advice?

No. Maintenance Reserve Planner produces educational estimates only. Markets, taxes, lending rules, and local conditions vary, so confirm big decisions with a qualified professional.