The water heater, the roof, the HVAC — they don't ask first. A common rule is setting aside 1–3% of your home's value a year. Zowly sizes it and tracks it. You move the money; Zowly never touches it.
These are example numbers — change them to yours.
$
older homes need a bigger cushion
$
$
A year's cushion for your home
$8,400
about $700 a month set aside — 2% of value
Set aside so far$2,000 of $8,400
Why "when, not if": a reserve isn't for emergencies you hope never happen — home systems wear out on a schedule. Money you don't use this year rolls forward for the bigger repairs later. This is a savings target to hold in your own account — Zowly shows you the number and tracks your progress; it never moves or holds your money.
You entered these numbers. The 1–3% guideline is a general rule of thumb, not a guarantee — actual costs vary by home, age, and region.
Zowly is a financial calculation and education tool, not a financial advisor.