Planning reserves: Prepare financially for major work
The reserve module compares existing cushion, regular savings and planned work. This makes it clear early on whether a financing gap could arise.
In the account for your own houses and apartments
Product preview
reserves
What you can do
Key features
Records current reserve balance and monthly deposits.
Links planned work and expected costs.
Shows coverage, gap and required monthly reserve.
Separates private reserves from the STWEG renewal fund.
How it works
Step by step
- 1
Enter inventory
Record what amount is reserved for the property today.
- 2
Set savings rate
Enter regular deposits.
- 3
Complement work
Link planned renovations or your own cost goals.
- 4
Check gap
Compare expected demand and available amount.
What you need
Requirements
- Your own property in the account.
- Approximate reserve balance; planned work is optional.
Practical guidance
Helpful tips
- For early plans, work with a range rather than an overly specific amount.
- Keep emergency reserves and planned renovation budgets separate.
Deliberate limits
What this tool does not do
- Cost forecasts do not replace a current offer.
- Unforeseeable damage cannot be fully planned for.
- The module does not maintain a bank account and does not transfer any savings amounts.
Quick answers
Frequently asked questions
How high should my reserve be?+
This depends heavily on age, condition and upcoming work. Wertify shows the gap from your information, but does not specify a generally applicable mandatory amount.
Does the renovation fund for my apartment count towards this?+
It is managed separately in the STWEG cockpit because it serves the community and not just an individual apartment.