Free HOA tool for small associations

Free HOA dues calculator for small, self-managed HOAs

Plug your annual budget once and instantly see HOA dues per unit, per period, and by ownership share percentages. This free HOA dues calculator works for equal allocations, HOA assessments, and custom ownership weights without fragile spreadsheets. Created for volunteer boards.

Use this HOA dues calculator to compare monthly vs. quarterly dues, model reserve contributions, and export CSVs you can share with your volunteer HOA board.

Quick inputs

Start with your unit count and payment cycle

Number of units

Payment frequency

1. HOA profile

Describe your small HOA or condo association and how HOA dues should be allocated.

Number of units

Payment frequency

Allocation method

Choose whether every unit pays the same amount or use percentages.

2. Annual budget

List every operating expense once, with annual amounts.

Annual HOA budget lines used by the HOA dues calculator.
Category	Label	Annual amount	Remove expense line

Operating expenses total$20000.00

Include reserve contribution

Set aside part of the budget for future capital work.

Mode

Reserve percent

Grand total$24000.00

3. Allocation summary

A quick look at per-unit dues based on your inputs.

Annual dues per unit

$12000.00

$24000.00 / 2 units

Dues per period (Monthly)

$1000.00

$12000.00 per year

4. Results & export

Download or copy the per-unit breakdown.

Total annual budget

$24000.00

Operating expenses

$20000.00

Reserve contribution

$4000.00

Avg dues per period

$1000.00

Budget distribution by category

Visual breakdown of your annual operating budget. Check the legend to see each category's share.

Landscaping60.0%
Insurance40.0%

Per-unit HOA dues calculation results with annual and per-period amounts.
Unit	Annual HOA dues	Dues per period
Unit 1	$12000.00	$1000.00
Unit 2	$12000.00	$1000.00

CSV exports include Unit, Share %, Annual HOA dues, and dues per monthly. Example: Unit A1, 12.5% share, $1,200 annual dues, $100 monthly.

Step-by-step guide

How to use this free HOA dues calculator

This free HOA dues calculator is designed to help small, self-managed HOAs and condo associations (up to 20 units) quickly estimate how much each unit should contribute. Created for volunteer boards to simplify HOA dues planning. Follow the steps below to set it up correctly for your HOA.

Step 1 — Choose your period
Select the period you want to calculate HOA dues for (for example: one month, one quarter, or one year).
This HOA dues calculator keeps both the annual amount and HOA dues per period so you can communicate on whatever cadence your association expects.
Step 2 — Add your expenses
Add one line per expense (insurance, maintenance contract, electricity, cleaning, reserve fund, etc.).
Include reserve contributions so your budget covers future capital work instead of only immediate operating costs.
Step 3 — Select how each expense is allocated
Choose the allocation method that matches how your HOA works: equal per unit, based on ownership shares / tantièmes, by percentage, or by custom weights.
This HOA assessment calculator supports ownership share percentages and keeps the math normalized so totals add up cleanly.
Step 4 — Enter your units / lots
List all units (lots) in the building with their identifier (e.g. A1, A2, B1, etc.).
For each unit, fill in the data needed by the chosen allocation methods (for example: number of shares, surface, custom percentage). Higher weights automatically mean higher dues.
Step 5 — Review the result per unit
The calculator computes the total dues per unit for the selected period and the full year.
You can quickly see how much each lot should pay, validate ownership share percentages, and adjust inputs if something looks wrong.
Step 6 — Export or copy the result
Once you are satisfied with the result, copy or download the CSV with unit, share %, annual dues, and dues per period.
Use it as the working base for your board meeting, owner notices, or a follow-up special assessment plan.

Example: if your operating budget is $120,000, the reserve contribution is 10% ($12,000), and you have 24 units, the HOA dues calculator shows $5,500 annual HOA dues per unit ($458 monthly) with equal allocation. Switching to ownership share percentages automatically normalizes the weights to 100% so condos with higher shares pay more.

Reserve tip: many volunteer HOA boards target 8–15% of operating spend for reserves until a reserve study is available. If you plan a special assessment, add it as a temporary line so homeowners can see the all-in HOA dues and the impact on their monthly or quarterly payments.

This HOA dues calculator is a helper tool and does not replace your legal documents, bylaws, or the advice of a professional. Always double-check the final amounts with your volunteer board before sending them to homeowners.

Frequently Asked Questions

A few common questions about how to use this HOA dues calculator.

No. This calculator is for planning and educational purposes only. Your governing documents, state law, and any decisions voted by your owners always take precedence over the results shown here.

This HOA assessment calculator focuses on your recurring annual budget (insurance, utilities, landscaping, management, etc.). For a large one-time project, add a temporary expense line for this year or run a separate calculation to see how much each unit needs to contribute to the assessment.

Yes. Set the payment frequency to monthly, quarterly, or yearly and the dues per period will update automatically. The export keeps both the annual dues and the per-period amount so you can communicate dues on whichever cadence your HOA uses.

Yes. It works for any small association that needs to split an annual budget between units: HOAs, small condominium associations, and some co-ops. The only requirement is that you either treat all units equally or have a share/percentage for each unit.

You don't need a perfect budget to start. A simple estimate based on last year's invoices plus a reasonable reserve contribution is already useful. You can refine the numbers later as you get a better view of your real costs.

Most small HOAs review their budget at least once a year, usually before the annual meeting. If your costs are changing quickly (insurance, utilities, repairs), it can be helpful to run this calculator more often to see whether your dues still make sense.

Start with your unit count and payment cycle

1. HOA profile

2. Annual budget

3. Allocation summary

4. Results & export

Budget distribution by category

How to use this free HOA dues calculator

Frequently Asked Questions

Ready to bring harmony to your small HOA?

How to use this free HOA dues calculator

Frequently Asked Questions