Free tool · Financial & Operations

Charity Reserves Calculator

Calculate recommended reserve levels based on Charity Commission guidance.

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Results

Monthly costs£10,000
Target reserves£60,000
Less restricted-£20,000
Free reserves needed£40,000

Target reserves

£60,000

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Frequently Asked Questions

What are charity reserves?

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Reserves are funds held to manage financial uncertainty. The Charity Commission recommends 3-6 months of operating costs.

What level should I hold?

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Most auditors recommend 3-6 months of unrestricted expenditure. The Commission requires a written reserves policy.