From the reserve review · illustrative decision
Effect on the plan
Records kept with this decision
Financial planning and decision record software for HOA boards
One financial picture.
Decisions that last.
Continuum turns the financial reports and reserve study your community already receives into a shared view of today’s costs, tomorrow’s projects and the decisions connecting them.
Understand everyday costs.
See income and spending in a simplified P&L. Compare monthly, year-to-date and last-twelve-month results with budget.
Plan for future projects.
Explore project schedules, compare funding alternatives and see future reserve balances alongside the operating budget.
Keep the reasons with the decisions.
Record why a project was deferred or a vendor was chosen, with the supporting records and financial impact. Future boards can pick up the thread.
01 / Operating finances
Understand the costs.
See the direction.
A simpler view of income, expenses and budget comparisons. Move between a single month, the year so far and the last twelve months to see both immediate changes and longer trends.
Simplified P&LIllustrative association · 80 homes
September 2026
Monthly view
| Income / spending | Recorded | Budget | Difference |
|---|
Runs on the reports you already receive.
Your financial reports, bank statements and reserve study power the picture. Every number keeps a connection to its source.
Different lenses. Better analysis.
A month brings recent changes into focus. Year to date shows progress against the annual plan. The last twelve months reveal seasonal costs and longer trends.
02 / Reserve planning
Your full reserve study.
A plan you can work with.
Explore the full project schedule and funding plan from your reserve study. See when work is due, how it affects reserve balances and what funding choices mean for dues.
Reserve plan explorerIllustrative study · 80 homes
70% study target
Turn on a chart layer to explore the plan.
Illustrative study. Opening reserves: . Percent funded compares reserves with the same year’s fully funded balance; this example uses a 70% study target. Costs stay constant in the timing scenario; interest and additional inflation are excluded.
Complete 2027 dues plan
per home, per month
Operating requirement
Reserve contribution
Go further in Continuum
Test the whole plan.
Full what-if analysis connects operating expenses and reserve study inputs. Adjust costs, project timing and funding, toggle inflation and model yield on reserve balances to see how your choices work together.
Better planning.
Simpler follow-through.
Give your manager and reserve professional a shared financial picture to work through with the board. Proposals, study assumptions and board questions stay connected to their records, making review and follow-through simpler.
03 / Decision records
From a funding flag
to a recorded decision.
The reserve review flags a funding need. The board considers project timing with its professional advisers, then keeps the decision and its reasoning connected to the plan.
Future boards can see what was decided, why and how it shaped the plan.
Real case studies.
One association · 2026
Concentration exposure made visible
Five CDs at one institution exceeded the coverage limit used in this case. The finding and the board’s response stayed together.
Finding and response
Continuum flagged across five CDs against a FDIC limit in May 2026. On June 25, the board recorded its choice to retain the CDs to maturity rather than incur early-withdrawal penalties. This was exposure identified, not money recovered.
A transfer discrepancy followed through
A reserve transfer appeared in the books but had not reached the bank. Its record stayed connected to the correction.
Finding and follow-through
The discrepancy was flagged in April 2026 and corrected in the May books. This was a bookkeeping correction, not cash recovered.
One subscription. Your whole board.
A complete financial picture.
A continuous board record.
$3per home,
per month
per month
First two months free.
$90 monthly minimum · Up to 150 homes.
Over 150 homes? Contact us for tailored pricing.
An 80-home community: $240 / month
See the plan more clearly.
Join today or get a personal demo with Nick.
- Financial reporting, planning, reserves and decision records
- Your whole board and property manager
- Personal help getting started