MoneyMinder Pricing Breakdown (2026): What You Actually Pay

MoneyMinder Pricing Tiers

Hidden Costs You Won't See on the Pricing Page

• ⚠ Online payment processing fees apply on every dues transaction collected — not included in the base subscription
• ⚠ Homeowner portal access is a paid add-on, not part of the base $99/year plan
• ⚠ No automated reserve fund tracking: boards must maintain reserve records manually in a separate spreadsheet or ledger
• ⚠ No state compliance tools: reserve vote ballots, statutory notice templates, and fund separation reports must be built from scratch
• ⚠ Data migration from another platform is fully manual — no import tools for existing ledger history

MoneyMinder’s pricing model

MoneyMinder uses an annual subscription priced at approximately $99/year. There is no monthly billing option at the base tier — the full year is paid upfront. That works out to roughly $8.25/month, which makes it the lowest-priced option in the HOA software category.

The base subscription covers check register, bank reconciliation, check printing, budget tracking, and basic financial reports. For a very small self-managed HOA that only needs to track income and expenses, that covers the core accounting workflow.

What the $99/year does not include

The base plan does not include online dues collection, a homeowner portal, or document storage. Each of these is a paid add-on with separate pricing. A community that wants the full operational picture — payments, communications, and documents — ends up paying more than the headline price suggests.

More significantly, no MoneyMinder tier includes reserve fund compliance tools. The platform was designed for basic bookkeeping, not for boards operating under statutory reserve requirements.

The reserve fund gap

MoneyMinder allows you to create separate ledger categories for operating and reserve funds. What it does not do is enforce that separation, warn you when transfers between funds are improper, track reserve contribution rates against a reserve study target, or generate the reserve fund status reports that state law may require you to distribute to homeowners annually.

For boards in states with reserve fund laws, using MoneyMinder means building a parallel compliance process outside the software — typically a combination of spreadsheets and periodic reviews by a CPA or attorney. That external process has a cost that does not appear on the MoneyMinder invoice.

MoneyMinder versus BoardStack cost comparison

The price difference is real. If your community is under 50 units, runs simple finances, and has no state reserve obligation, MoneyMinder’s $99/year may be sufficient. If your community is in a state with reserve study requirements or your board is concerned about personal liability exposure from improper fund handling, the cost of the tools that fill the compliance gap needs to be factored into the comparison.

Who MoneyMinder is built for

MoneyMinder targets very small self-managed HOAs — typically under 50 units — that need to replace a paper ledger or a personal finance app with something designed for association accounting. It solves the basic bookkeeping problem at a low price point.

It is not designed for boards managing material reserve funds, operating under state reserve statutes, or seeking to document fiduciary compliance. We built BoardStack specifically for that scenario, because basic bookkeeping tools leave volunteer boards exposed when a homeowner or auditor asks for a reserve fund accounting.