Free tool · Australia
Enter six numbers about your building and see whether its sinking fund is on track — the year it runs short, and the contribution that would keep it solvent. No login, no email. It runs the same engine behind Plinth.
Your building
Six numbers. Everything recomputes as you type.
We build a starter register from your building’s age, type and size, then project the fund 15 years. Indicative only — a real plan uses your actual register.
On the current levy, the fund runs short in 2040.
Recommended levy
$63,000
$3k above current
Runs short
2040
fund goes negative
15-yr works
$1.3m
escalated to 2040
Lowest balance
−$3k
in 2040
Reserve balance — 2026 to 2040
Your fund, year by year, against the safety floor.
This is the same engine behind Plinth — refine it with your real register on a live plan.
Most “sinking fund calculators” just compound a savings target. This one models the building. From the age, type and size you enter, it assembles a realistic starter register of the capital items a building like yours has — roof and waterproofing, façade, lifts, fire systems, switchboard and the rest — and places each one in its lifecycle, so an older building shows works coming due sooner.
It then projects the fund 15 years: each work escalated to the dollars of the year it falls due, the balance drawn down as works happen and topped up by your levy and interest. The verdict and the recommended levy come from keeping that balance above a safety floor in every year — not from a flat percentage rule.
It’s a fast, honest first read, not a statutory plan. To turn it into a living plan you update as works are done — with documents, renewals and quotes that feed back into the forecast — see the forecasting software or open a live plan.