Calculators
Florida SIRS Reserve Study Planner
Model SB 4-D Structural Integrity Reserve Study contributions before your reserve specialist runs the formal numbers
Florida's SB 4-D (2022) and the SB 154 (2023) clean-up bill require every condominium and cooperative association of three stories or more to commission a Structural Integrity Reserves Study (SIRS) at least every ten years — and to fully fund the components the SIRS identifies. The penalty for getting it wrong is not subtle: directors can be personally liable, and units in non-compliant buildings have already seen 30–50% valuation hits at re-sale.
This planner models the math underneath a SIRS so a board can stress-test contribution levels before commissioning the formal study. Add the components in scope (roof, structure, fireproofing, plumbing, electrical, waterproofing, windows and doors), tell it today's replacement cost, useful life, remaining life, and current reserve balance, then watch the required annual contribution change as you toggle inflation, horizon, and funding method.
It is not a substitute for a licensed reserve specialist. It is the worksheet most boards wish they had before they signed the engagement letter.
Association profile
Results
Required annual contribution
Total required / year
$0
Per unit / year
$0
Current contribution
$80,000
100% of required
Inflated cost (all components)
$0
Today: $0
Reserve components (8/30)
Add the SIRS scope items plus any non-structural reserves your board funds.
Inflated cost
$0
Gap
$0
Required / year
$0
Funded
100%
Inflated cost
$0
Gap
$0
Required / year
$0
Funded
100%
Inflated cost
$0
Gap
$0
Required / year
$0
Funded
100%
Inflated cost
$0
Gap
$0
Required / year
$0
Funded
100%
Inflated cost
$0
Gap
$0
Required / year
$0
Funded
100%
Inflated cost
$0
Gap
$0
Required / year
$0
Funded
100%
Inflated cost
$0
Gap
$0
Required / year
$0
Funded
100%
Inflated cost
$0
Gap
$0
Required / year
$0
Funded
100%
Year-by-year projection
Projects total reserve balance assuming the current contribution rate. Negative rows indicate an expected special-assessment event.
| Year | Contributions | Expenditures | End balance |
|---|---|---|---|
| Year 1 | $80,000 | — | $80,000 |
| Year 2 | $80,000 | — | $160,000 |
| Year 3 | $80,000 | — | $240,000 |
| Year 4 | $80,000 | — | $320,000 |
| Year 5 | $80,000 | — | $400,000 |
| Year 6 | $80,000 | — | $480,000 |
| Year 7 | $80,000 | — | $560,000 |
| Year 8 | $80,000 | — | $640,000 |
| Year 9 | $80,000 | — | $720,000 |
| Year 10 | $80,000 | — | $800,000 |
| Year 11 | $80,000 | — | $880,000 |
| Year 12 | $80,000 | — | $960,000 |
| Year 13 | $80,000 | — | $1,040,000 |
| Year 14 | $80,000 | — | $1,120,000 |
| Year 15 | $80,000 | — | $1,200,000 |
| Year 16 | $80,000 | — | $1,280,000 |
| Year 17 | $80,000 | — | $1,360,000 |
| Year 18 | $80,000 | — | $1,440,000 |
| Year 19 | $80,000 | — | $1,520,000 |
| Year 20 | $80,000 | — | $1,600,000 |
Statutes referenced
For reference only. Not legal advice. Confirm current statute text with counsel or via our statute reference library.