Home Maintenance Planner
Get a monthly reserve target and a personalized maintenance checklist based on your home's age, climate, and features. No surprise bills.
$333
monthly reserve
$4,000/yr
Reserve summary
Monthly
$333
Annual
$4,000
1% rule baseline
$4,000
Big-ticket reserve
$1,550
Maintenance checklist
HVAC service (spring + fall)
2×/year
Gutter cleaning
2×/year
Water heater flush
1×/year
Chimney inspection
1×/year
Pest/termite inspection
1×/year
Deep clean carpets & upholstery
1×/year
Dryer vent cleaning
1×/year
Roof inspection
1×/year
Reserve for HVAC replacement
every 15 yrs
Reserve for roof replacement
every 25 yrs
Reserve for water heater
every 10 yrs
Freedom Coach™
Set aside ~$333/mo ($4,000/yr) for maintenance.
Temperate climate × midcentury home = 1.00× the 1% baseline. The classic 1% rule alone would be $4,000/yr.
Premium
Save maintenance plans per property and adjust as your home ages.
Unlock PremiumBaseline is the 1% rule — 1% of home value per year. Adjust up for older homes and harsh climates. A $400K home in a cold or coastal zone often needs 1.3–1.5%.
It's a reserve for both routine upkeep (HVAC service, gutters, dryer vent) AND big-ticket replacements (roof, HVAC, water heater) over their lifespan.
New builds run 20–30% under baseline for the first 5 years. Homes 40+ years old typically run 30% over baseline as major systems reach end-of-life.
Furnace filter changes, gutter cleaning, dryer vent cleaning, faucet aerators. Skip DIY on gas appliance servicing, chimney work, and electrical panel work.
Skipping the reserve fund. Most homeowners can absorb $500 surprises but blow their emergency fund on a $8,000 HVAC. Reserve monthly, not reactively.
Join our email list for tailored tips, milestone nudges, and new calculator releases.