Finance category
Mortgage, loan, investing, tax, and money calculators.
Reserve Draw Burn Rate Calculator
Capital reserves deplete — project runway.
Months to floor
18.2
Net monthly burn
$33,000
Usable above floor
$600,000
How the math works
Net burn = draw − deposit. Usable = current − floor. Months to floor = usable / net burn.
$850k − $250k = $600k usable. Net burn $33k/mo. 18.2 months to floor — plan capital event timing or deposit increase.
How to Use
- Enter current reserve balance.
- Enter monthly draw rate.
- Enter monthly deposit rate.
- Enter target floor balance.
- Read months to floor.
Frequently Asked Questions
Reserve categories?
Capital reserves: roof, HVAC, major building systems. Replacement reserves: turnover (flooring, appliances). Operating reserves: 3-6 months opex cushion. Insurance deductible reserve. Tax and insurance escrow. Each has its own draw pattern.
Healthy balances?
Multifamily: $300-500/unit/year reserve funding. Commercial: $0.15-0.35/SF/year. Reserve balance target: 2-4 years of annual replacement cycle. Operating reserve: 3-6 months of operating expenses. Below these minimums triggers lender concern.
Burn watch?
Unexpected capital events (roof replacement, boiler failure, plumbing) can deplete multiple years of funding in one event. Running to zero triggers lender default in most loan docs. Monthly monitoring of draw vs deposit flags risk before crisis.
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