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Housing Society Corpus Fund Calculator & Planner
Plan your housing society corpus fund contributions. Also known as sinking fund in some societies. Calculate per flat or per square foot basis. Ideal for society secretaries and treasurers. Covers major repairs, lift replacement, waterproofing.
This tool helps you plan for major capital expenses and maintain a healthy corpus fund for long-term repairs and replacements.
Society Basics
Enter basic information about your housing society and planning horizon.
Major Items
List the major building components that need funding.
Click an example to add it, or create an empty item:
Funding Assumptions
Configure how you want to calculate corpus fund requirements.
Scenario Comparison
Compare different contribution levels to see their long-term impact on your corpus fund balance.
Enter basic information about your housing society and planning horizon.
Add the major components that will need replacement or major repair over your planning horizon.
| Component Name | Category | Estimated Replacement Cost | Expected Lifespan (Years) | Current Age (Years) | Remove Component |
|---|---|---|---|---|---|
Add your first major components to see the impact on your corpus fund.Examples: roof, exterior painting, lift, water tank, parking area… | |||||
Configure how you want to calculate corpus fund requirements.
Compare different contribution levels to see their long-term impact on your corpus fund balance.
Review your recommended corpus fund contributions based on the components you entered.
Total Annual Requirement
₹0.00
Recommended Annual (All Flats)
₹0.00
Recommended Monthly (All Flats)
₹0.00
Recommended Annual Per Flat
₹0.00
Recommended Monthly Per Flat
₹0.00
Based on the Fractional Age method used in professional reserve studies.
Ideal Fully Funded Balance
₹0.00
Current Corpus Fund Balance
₹0.00
About the Fractional Age Method
This method calculates an ideal corpus fund balance by multiplying each component's replacement cost by its fractional age (current age ÷ expected lifespan). Components that are 50% through their lifespan should ideally have 50% of their replacement cost in corpus fund. This is a common method used in professional reserve studies.
This tool provides a generic estimate of corpus fund needs for small self-managed housing societies. It does not replace a formal reserve study or professional advice. Always review your society's bylaws and consult a qualified professional before making financial or legal decisions.
Corpus Fund Best Practices
General guidelines to help small housing societies maintain healthy corpus funds.
These are general tips for informational purposes only. Always consult with qualified professionals and review your society's bylaws for specific guidance.
Maintain Separate Corpus Fund Account
Keep corpus fund in a separate bank account from operating funds. This prevents commingling and makes it easier to track the balance and ensure funds are available when needed for major works.
Update Your Corpus Fund Analysis Regularly
Review and update your reserve analysis every 3-5 years, or more frequently if major changes occur. Regular updates help ensure your funding levels remain adequate as costs and conditions change.
Track Individual Components
Maintain detailed records for each major component, including age, condition, replacement cost estimates, and expected replacement dates. This helps with accurate planning and budgeting.
Fund Corpus Consistently
Contribute to corpus fund every month or quarter, not just when special assessments are needed. Consistent funding spreads costs fairly across all flat owners over time and reduces the need for large special assessments.
Communicate with Flat Owners
Share corpus fund status, upcoming major works, and contribution levels with flat owners regularly at AGMs. Transparency builds trust and helps owners understand why corpus fund contributions are necessary.
Plan for the Unexpected
Build a cushion into your corpus fund to handle unexpected repairs or cost overruns. Components can fail earlier than expected, or replacement costs may be higher than estimated.
Review Insurance Coverage
Ensure your society's insurance policy adequately covers major components. Good insurance can reduce the financial impact of unexpected failures and help protect your corpus fund balance.
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