ReserveIQ | 10-Year MRMP & Reserve Solvency

Welcome to ReserveIQ

Plan ahead. See the reserve pressure before it becomes a surprise.

Building a 10-year maintenance plan by hand means juggling replacement dates, rising costs and reserve balances across spreadsheets. ReserveIQ brings those moving parts into one guided model, helping trustees turn scheme records into a clearer maintenance and reserve-funding outlook.

Explore component costs and replacement timing, review the PMR 22(2)-informed estimate, then compare a forward-looking cashflow that highlights when major works could put pressure on reserves.

You can load a saved .mrmp file from the top menu at any time.

A guided route from records to plan

1
Describe the scheme
Enter the building profile and key reserve-fund figures.
2
Review maintenance items
Check component lifecycles, estimated costs and expected work years.
3
Compare the estimates
Review the PMR 22(2)-informed component estimate alongside the 10-year cashflow outlook.

ReserveIQ supports trustee planning; estimates should be checked against current scheme records, professional advice and contractor quotations.

Trustee quick guide

Keep your scheme work safe and easy to continue

Save a scheme file

Unlock the full report with a paid license or voucher, then select Save .mrmp at the top of the page.
Choose a folder you can find again, such as your scheme’s shared records folder or Documents.
Keep the file ending in .mrmp; do not edit it in a spreadsheet. Save a dated copy after important updates.

Load or print your work

Select Load .mrmp in the top menu and choose the saved file. Loading is available in free preview.
After payment is verified, download the paid scheme backup and receipt before closing the page.
Use Download Trustee Planning PDF to get the server-generated report. The browser print command can still print the on-screen preview.

Session Recovery & Backups

Restore via Backup File: The easiest way to save your work is to download the .mrmp backup file after unlocking a scheme. Uploading this file later will automatically restore all your inputs and instantly unlock the session.
Restore via Code: If you lose your file, enter your original Voucher Code or Paystack Payment Reference into the unlock box to restore access, provided your scheme inputs match the original submission.

ReserveIQ does not keep a customer account or provide cloud file storage. Scheme data is stored in your browser; keep downloaded backups and receipts in a secure location accessible to the scheme.

Transparency

How the levy options are calculated

All three options project the same 10-year cashflow. They differ only in how the annual levy is chosen. Changing an option, or the opening-reserve allocation method, never changes the licensed scheme and never requires a new payment.

1. Minimum Levy (default)

Regulation-compliant. Year-1 levy is the Regulation 2 floor. If that flat amount keeps the year-end balance at or above your minimum cash buffer in every year, it is held flat. If not, the levy escalates each year by the smallest rate that keeps the buffer, up to a 100% annual rate. If even that cannot hold the buffer, a flat levy above the floor is solved instead.

2. Minimum Buffer

No regulatory floor. Each year the levy is the least amount that keeps that year-end balance at or above the minimum cash buffer, so levies can fall below the Regulation 2 floor, even to zero, after peak works. This is a planning scenario and may not meet the regulation.

3. Custom Levy / Override

No regulatory floor. You set the Year-1 levy and an annual drift percentage. If no Year-1 levy is entered, it starts from the Minimum Buffer result. The model shows whether your chosen levies keep the buffer; it does not adjust them.

Set by regulation

The Regulation 2 floor is set by the reserve ratio (opening reserve ÷ prior-year admin levies, A₀). Below 25%: 15% of A₀. From 25% to below 100%: the greater of prior-year reserve spend and the PMR 22(2) annual schedule. At 100% or more: no floor.
The PMR 22(2)-informed component estimate: (estimated cost − opening-reserve allocation) ÷ remaining life.
Applied only in Minimum Levy. Minimum Buffer and Custom ignore the floor.

Set by ReserveIQ (planning assumptions)

The minimum cash buffer is your input and is checked at each year-end, not intra-year.
Escalation in Minimum Levy: solved by ReserveIQ, capped at 100% a year. The solver limit is R25,000,000 a year.
The opening-reserve allocation method (accrued wear or nearest-due waterfall), which changes the PMR 22(2) schedule and so the floor.
Benchmark costs, lifecycles, inflation, call-account interest and the simplified interest allowance and 27% tax rate. These are not tax advice.
The 10-year horizon, and interest on the average balance during the year.

10-Year Capital Maintenance, Repair & Replacement Register

Toggle relevant elements, edit lifecycles, apply an estimate, or import contractor quotes. Estimates are planning assumptions, not supplier price data.

Include	Component / Asset Category	Full Cycle (Yrs)	Next Due (Yr 1–10)	Current Est. Cost (ZAR)	Cost source	10-Yr Occurrences

Benchmark provenance and regional calibration

The catalog uses the fixed and per-unit cost assumptions, lifecycle values, archetype multipliers, storey factors, coastal adjustments and R5,000 rounding configured in this application. These are ReserveIQ planning assumptions supplied for the model; no external price dataset, published rate card or supplier quote is represented as a source. Western Cape is the current baseline context. Other provinces apply the same assumptions with a neutral 1.00 regional multiplier and are explicitly uncalibrated.

Component	Cycle	Base / unit	Fixed base	Storey factor
Exterior paint / spalling	7y	R17,500	R45,000	0.12
Roof waterproofing	10y	R11,000	R35,000	-0.05
Security systems	4y	R3,200	R28,000	0.00
Inverter / battery	5y	R3,500	R40,000	0.00
Lifts	10y	R8,500	R95,000	0.15
Pumps / tanks	7y	R2,800	R32,000	0.08
Paving / drive	8y	R4,500	R38,000	0.00
Boundary wall	8y	R3,600	R30,000	0.00
Plumbing / electrical	5y	R2,500	R25,000	0.05
Pool / recreation (inactive)	9y	R3,000	R65,000	0.00

Cost factors: coastal +15%; archetype multipliers 1.25 high-rise, 1.00 apartment and 0.90 townhouse; storey factor max(0.75, 1 + (storeys − 2) × factor). Coastal lifecycle shortening applies to paint, roofing, security and boundary walls.

Import contractor quotes from CSV

Required columns: component,quote_zar. Optional: full_life_years,next_due_year,supplier,quote_date. Match a component by its exact name or ID; an unmatched name adds a custom component (10-year full life and Year 5 due date unless supplied). Quote amounts replace benchmark/manual costs.

Choose a CSV file (optional) Or paste CSV rows

PMR 22(2)-informed maintenance schedule

ReserveIQ planning estimate: (Estimated Cost − Modelled Opening-Reserve Allocation) ÷ Remaining Useful Life. This is not a prescribed levy formula or an audited disclosure.

Major Capital Item	Full Life (L_k)	Remaining Life (Y_k)	Accrued Wear %	Current Cost (Today ZAR)	Modelled Opening-Reserve Allocation	Unfunded Liability	Modelled Annual Contribution

Unlock the full MRMP

Get the PMR 22(2)-informed component estimate, trustee cashflow, sensitivity analysis and trustee planning PDF for R3,000 per scheme.

Why Layer B Is Essential:

This simplified schedule does not model inflation, repeat cycles or cashflow timing. Compare it with the forward-looking projection; confirm the plan and any levy resolution against current legislation and professional advice.

10-Year Net Reserve Position & Capital Expenses

Exact balances and annual capital works are available in the verified report.

Qualitative reserve outlook

Run the model to assess whether the selected assumptions maintain the reserve buffer.

Exact recommendations and year-by-year balances are included in the verified report download.

Trustee Funding Decision

The displayed status reflects the selected funding strategy; exact recommendations are in the verified report.

Calculating...

Funding strategy Override custom Year-1 levy Custom Year-1 levy (ZAR) Custom annual drift (%)

Sensitivity Stress Test

Year-1 levy under a range of building inflation and call-account returns.

Sensitivity analysis is part of the full MRMP

10-Year Reserve Cashflow

Mid-year average cash convention, modelled interest tax drag and closing balance by year.

Year	Opening	Modelled minimum contribution	Reserve levy	Capital works	Gross interest	Tax drag	Net interest	Closing balance

The full 10-year cashflow is included with the MRMP

Plan ahead. See the reserve pressure before it becomes a surprise.

A guided route from records to plan

Describe the scheme

Review maintenance items

Compare the estimates

Keep your scheme work safe and easy to continue

Save a scheme file

Load or print your work

Session Recovery & Backups

How the levy options are calculated

1. Minimum Levy (default)

2. Minimum Buffer

3. Custom Levy / Override

Set by regulation

Set by ReserveIQ (planning assumptions)

A. Scheme Physical Profile

B. Reserve-Fund Baseline

C. Economic & Tax Parameters

10-Year Capital Maintenance, Repair & Replacement Register

PMR 22(2)-informed maintenance schedule

Unlock the full MRMP

10-Year Net Reserve Position & Capital Expenses

Trustee Funding Decision

Sensitivity Stress Test

10-Year Reserve Cashflow

Unlock the full MRMP

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