CapEx reserve calculator: use this free capex reserve calculator to find out how much to set aside monthly for rental property capital expenditures.
CapEx Reserve Calculator — Free 2026
Rental Property Tool
Find out exactly how much to set aside monthly for rental property capital expenditures. Enter each component and the CapEx reserve calculator shows your itemized monthly budget.
CapEx Reserve Calculator
Itemized monthly reserve by componentCapEx reserve calculator — 4 things landlords get wrong
CapEx reserve calculator — typical replacement costs in 2026
| Component | Typical cost | Expected life | Monthly reserve |
|---|---|---|---|
| Roof (asphalt shingle) | $8,000–$15,000 | 20–25 years | $33–$63 |
| HVAC system | $5,000–$8,000 | 15–20 years | $25–$44 |
| Water heater | $900–$1,500 | 10–12 years | $8–$13 |
| Flooring & paint | $3,000–$6,000 | 5–7 years | $50–$100 |
| Appliances | $2,500–$4,000 | 8–12 years | $21–$42 |
| Plumbing & electrical | $3,000–$8,000 | 10–15 years | $20–$67 |
How the CapEx reserve calculator works
Once you know your full operating costs including CapEx reserves, compare investment property loan rates from multiple lenders to find the best terms.
Compare Investment Property Rates We may earn a commission if you apply through this link — at no extra cost to you.CapEx reserve calculator — common questions
What is a CapEx reserve for rental property?
A CapEx reserve is money set aside monthly to cover future large repairs and replacements — roof, HVAC, water heater, flooring. Most experienced landlords reserve 5–10% of gross rent, but the CapEx reserve calculator gives you a more precise number based on your actual property.
How much should I reserve for CapEx?
It depends on the age and condition of the property. A rule of thumb is to divide each component’s replacement cost by its remaining lifespan in months. On a typical single-family rental, this comes to $150–$400 per month. Use this CapEx reserve calculator to get a number specific to your property.
Is CapEx reserve tax deductible?
The reserve itself is not deductible — only the money you actually spend on qualifying work. Some CapEx is deductible immediately as a repair. Other improvements must be depreciated over time. Consult a tax professional, and check our depreciation calculator for more detail.
What is the difference between CapEx and maintenance?
Maintenance is routine and recurring — lawn care, pest control, minor repairs under $500. CapEx is large and infrequent — roofs, HVAC, water heaters, appliances. Both are real costs but budgeted separately because CapEx amounts are unpredictable and much larger.
Related tools to use with the CapEx reserve calculator
Results from this CapEx reserve calculator are estimates based on the values you enter. Actual replacement costs vary by location, property condition, and contractor. Not financial or tax advice. Always consult a qualified professional before making investment decisions. Last updated: March 2026.