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What's the minimum your reserve fund needs?

BC law sets a floor: the annual contingency reserve fund contribution must be at least 10% of the operating-fund contribution (Regulation 6.1).

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Optional — to compare against the floor.

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$6,500

Your plan meets the legal floor

Operating-fund contribution
$65,000

Sources: Regulation 6.1(2), Gov BC

General information only. Not legal, financial or accounting advice. Calculations apply the BC Strata Property Act and its Regulation as of October 2, 2026 using the standard statutory rules and the figures you enter. They do not account for separate sections, formulas that split costs by lot type or by shared areas used by only some lots, or a different allocation formula filed under s.100. Confirm against the Act, your strata's registered bylaws and Schedule of Unit Entitlement, the actual resolution wording, and a licensed strata professional before acting. Full disclaimer and sources

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The report sets the real number.

A qualified depreciation-report provider or reserve planner models your building. Get two or three quotes. Third-party tools can also dig into the documents. These links are unpaid. Strata Match doesn't earn a fee if you use them.

What a 'qualified person' is (Gov BC) ↗Eli Report, a commercial document tool (unpaid) ↗

Questions councils ask

What is the minimum CRF contribution in BC?

At least 10% of the amount budgeted for the operating-fund contribution for the year (Strata Property Regulation 6.1(2)), effective since November 1, 2023.

Is 10% enough?

Not necessarily. 10% is the legal floor, not a measure of whether your reserve is adequately funded. The contribution must be set after considering your most recent depreciation report, which often points higher.

Does a large reserve balance exempt us from the 10%?

No. The current regulation has no balance-based exemption. The 10% minimum applies regardless of how much is already in the fund.

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