Track a reserve fund

A reserve fund is money you set aside from each rent payment so a big or lumpy bill, like the annual property-tax or insurance bill, is never a surprise. Wealthru tracks this as a plan plus a running balance. It is guidance, not accounting, and it never moves real money.

How it works

1. On a property's Money / Financials tab, turn on "Track a reserve fund".
2. Set a monthly set-aside for each bucket you care about: repairs, capital, property tax, insurance, condo fees. Think of it as a standing order for your rent.
3. Wealthru then shows a running balance per bucket: what you planned to set aside over the last 12 months, minus what you actually spent in that category (from your recorded expenses).

Reading the balances

• A positive balance is what you would have saved up if you followed the plan.
• "Over budget" means you spent more in that bucket than you set aside.
• "Short for a bill" means your balance will not cover an upcoming lumpy bill you recorded, so you know to top it up. The amount is on the badge, for example short $600 for the bill.
• A bucket can be both at once, and both surfaces say so rather than showing only the first. A bucket that is over budget AND short for a bill shows the overspend and the bill together, and the bill is usually the number to act on.

Seeing every property at once

Go to Money, then Reserves, for one view across the whole portfolio.

• The headline is the worst thing found on any property. Three properties on track and one over budget reads "At least one property is over budget", under a red Over budget tag. It is not an average, because an average would hide the property you need to deal with.
• Under it you will see how many properties have a plan, for example "2 of 4 properties have a plan". Anything without a plan is not being tracked, so the headline says nothing about it.
• Each property is listed on its own row with its own set-aside and its own shortfall.

What a row says when there is nothing to measure yet. Two rows look similar and mean different things, so they are labelled differently:

• "No amount set" means the reserve fund is on, but you have not given any bucket a monthly amount. Open the property and set one.
• "No rent counted" means you have set an amount, as a percent of rent, and this property has no counted tenancy right now. There is nothing to take a percent of. Nothing is wrong and there is nothing to fix.
• "No plan yet" means the reserve fund has not been turned on for this property at all.

In all three the "Net set aside" column reads "Not tracked", never $0. A zero would say you have saved nothing. The truth is that nothing is being measured.

Nothing is added up across properties. A reserve is a note to yourself about one property, and no money actually moves, so a single portfolio total would suggest a surplus at one address can pay a bill at another. It cannot, so we do not print one. A property with no plan reads "No plan yet", not a zero.

Tap any row to open that property and change its plan.

Good to know

• It is advisory. No bank linking, no transfers, no double-entry. It reads your existing rent and expenses, it does not touch them.
• Spend is counted only from approved expenses, the same figures your statements and tax pack use.
• Turn it off any time. Nothing else changes.