Every landlord gets ambushed by the $12,000 roof. This turns each major system's age into a monthly savings number — so the money is sitting there when the system dies.
Add a property.
One card per rental. Name it anything.
Log each system's age.
Roof, HVAC, water heater… pick from the library or add your own.
Save the monthly number.
Set it aside every month. Touch it for nothing else.
Nothing breathing down your neck. The cellar is calm.
Every big bill on the calendar, next 15 years. Save monthly and none of these are surprises.
Add systems below and your timeline draws itself.
A roof doesn't negotiate. When it goes in January, you pay retail — on a credit card, at 24% APR, because you have no choice.
A reserve turns a $12,000 ambush into $100 a month you never notice. Same roof, same plumber, wildly different price. The credit card charges you for the privilege of being surprised.
Rule of thumb from the field: if you can't name your monthly reserve number off the top of your head, you don't have one. Now you will.
CSV opens in any spreadsheet — hand it to your bookkeeper or your CPA. Everything lives in this browser; nothing leaves it.