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. Wealtharu 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. Wealtharu 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 the bill" means your balance will not cover an upcoming lumpy bill you recorded, so you know to top it up.

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.