§HOA Budget ReaderFlorida · Chapter 720
Florida

Your dues went up. Here is where the money goes.

An association budget is a one-page table that decides what you pay for the year, and almost nobody reads it before the vote. Paste yours and get it explained line by line, with the questions worth asking while it can still change.

Free first readEnglish · EspañolFla. Stat. 720.303, citedNothing is stored
Plan active

Free first look

Paste the budget.

The proposed budget, the reserve schedule, or the annual financial report.

Photos are resized on your device before sending. Nothing is stored.
Free. Takes a few seconds.

Why this exists

The budget decides what you pay, and it passes at a meeting almost nobody attends.

Most owners first meet the budget as a number on a coupon book. Read line by line it is usually straightforward — insurance, landscaping, management, reserves — and the questions worth asking are obvious once the words are in plain English.

How it works

Three steps, about a minute

01

Paste the budget

The proposed budget or the reserve schedule.

02

See it in plain English

Line by line, what each one pays for.

03

Ask before the vote

In the paid version, written questions and a records request.

Plans

Free to try. Paid to keep.

The first answer is free and always will be.

One budget
$9.99one budget

Every line explained, what changed, and the questions to submit before the meeting.

  • Line-by-line explanation
  • What changed from last year
  • Written questions for the meeting
  • Records request for the big lines
Boards
$199per year

For a board that would rather explain the budget than defend it.

  • Unlimited budgets
  • Member-ready plain-English summary
  • Reserve schedule explainer
  • Priority support

No account for the free version. Payment is handled by Stripe; we never see a card.

Common questions

Is this actually free, and is what I paste stored somewhere?

The tool's own material describes it as free but also lists prices — $9.99 for one budget and $199 per year for boards — so check the current plan before you paste anything. The material provided here doesn't say anything about whether what you type is stored, so that's not something this FAQ can promise one way or the other.

What does this tool actually do with my HOA budget?

You paste your proposed budget or financial report and it explains it in plain English — where the money goes, what reserves are for, and what questions are worth asking before the vote. It is not an audit and cannot tell you whether money was misspent; it's also not financial or legal advice.

I live in a condo, not an HOA — can I still use this?

No. This tool is built around Chapter 720, Florida's homeowners' association law, and condominiums are governed by Chapter 718 instead. If you describe a condo, cooperative, timeshare, or mobile home park budget here, don't rely on the answer — the rules aren't the same.

How do I know if my HOA is funding reserves correctly?

How your community funds reserves depends on your own declaration and bylaws, so this tool will tell you to read those documents rather than guess. Fla. Stat. 720.303 covers budgets, financial reporting, and your right to inspect the records behind the numbers, and Fla. Stat. 720.3086 sets what the association's annual financial report must include. This tool can explain what's on the page, but it's not an audit and can't detect misuse of funds.

I got a fine or violation letter — can I use this for that?

No, that's a different situation. This tool is only for reading a proposed budget or financial report; for a violation notice or fine, use the HOA violation responder tool instead.

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