Reserve Check

A replacement plan for your whole property. No signup required.

1. Your property

Construction year

Is this a rental?

Property type

Default costs assume a single-family home of roughly 1,500 to 2,000 sq ft. Flooring assumes about 1,000 sq ft of carpet.

Estimated monthly system replacement reserve

$306 per month

9 systems included

Costs are rough 2026 U.S. national averages for a typical single-family home. Local prices vary widely. Edit them to match your quotes.

System replacements only. Excludes turnover, routine maintenance, inflation and emergency catch-up savings.

Flooring (carpet)

Past estimated life

Estimated due year: 2005.7

Working replacement cost estimate: $4,500

Estimated lifespan: 7.7 years

Rough cost range: $3 to $11 per sq ft installed

Water heater (tank)

Past estimated life

Estimated due year: 2006.5

Working replacement cost estimate: $1,400

Estimated lifespan: 8.5 years

Rough cost range: $900 to $3,000

Exterior paint

Past estimated life

Estimated due year: 2006.5

Working replacement cost estimate: $3,200

Estimated lifespan: 8.5 years

Rough cost range: $1,800 to $4,500

Appliances (five-appliance bundle)

Past estimated life

Estimated due year: 2008.2

Working replacement cost estimate: $4,500

Estimated lifespan: 10.2 years

Rough cost range: $3,000 to $8,000

HVAC (central AC + furnace)

Past estimated life

Estimated due year: 2010.8

Working replacement cost estimate: $11,500

Estimated lifespan: 12.8 years

Rough cost range: $8,000 to $15,000

Roof (asphalt shingles)

Past estimated life

Estimated due year: 2015

Working replacement cost estimate: $12,000

Estimated lifespan: 17 years

Rough cost range: $8,000 to $16,000

Windows

Past estimated life

Estimated due year: 2023.5

Working replacement cost estimate: $7,350

Estimated lifespan: 25.5 years

Rough cost range: $4,500 to $20,000

Plumbing (supply lines)

Later

Estimated due year: 2040.5

Working replacement cost estimate: $7,000

Estimated lifespan: 42.5 years

Rough cost range: $4,500 to $15,000

Electrical (main panel)

Later

Estimated due year: 2040.5

Working replacement cost estimate: $2,000

Estimated lifespan: 42.5 years

Rough cost range: $1,300 to $3,100

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Estimate assumptions and sources

Lifespan references: NAHB 2007 Study of Life Expectancy of Home Components, Fannie Mae Estimated Useful Life tables, and InterNACHI. NAHB values reflect first-owner use. The 0.85 rental lifespan adjustment is ReserveTrack’s own internal estimate, not NAHB data.

Rental-adjusted lifespans use the app’s one-decimal rounding. Fractional due years are approximate.

Roof (asphalt shingles): Lifespan source: NAHB 2007
Cost source: Fixr 2026
HVAC (central AC + furnace): Lifespan source: NAHB 2007 (AC 10-15, furnace 15-20)
Cost source: ConsumerAffairs 2026
Water heater (tank): Lifespan source: NAHB 2007
Cost source: Fixr 2026
Appliances (five-appliance bundle): Lifespan source: Average of NAHB 2007 appliance values
Cost source: Rough estimate from 2026 retail price guides
Plumbing (supply lines): Lifespan source: Fannie Mae EUL tables
Cost source: 2026 repiping cost guides
Electrical (main panel): Lifespan source: Fannie Mae EUL tables
Cost source: 2026 panel cost guides
Windows: Lifespan source: Fannie Mae EUL tables
Cost source: Angi 2026
Exterior paint: Lifespan source: Fannie Mae / InterNACHI
Cost source: Angi 2026
Flooring (carpet): Lifespan source: NAHB 2007 (8-10)
Cost source: NerdWallet 2026