4DELTA Intro


Open spreadsheet

Click here... "Google Sheet"


Go to File

Click "File" top left


Make a copy

Click "Make a copy" from dropdown


Input current year

For example, type "2023" in green cell


Go to information tab

Click "INFO" bottom left


Input reserves per property

For example, "$1,000" for property #1


Input years per property item

For example, it might look something like this for a new construction purchase in "2015"


Return back to first tab

Formulas change colors based on your current year and the life expectancy of important/major items. Important items are safety related and major items are things that could cost over $10k to replace or repair.

Using the example below, here's how this forecaster can help you...

Upon review, the cells that changed color need your attention, and below I'll explain how you use this info... 

  • HVAC: There's an estimated seven years (84 months) before you might need to replace the HVAC. If it'll cost $10k to replace, then you'd need to save $120 per month (e.g. 10,000 / 84 = 119.05). However, since you already have $1k in reserves. Then, you'd only need to save about $110 per month (e.g. 9,000 / 84 = 107.14).
  • Windows: There's an estimated seven years before the windows might need to be replaced. So, if it'll cost $10k to replace all your windows, then you'd need to save an additional $120 per month. That means, if you save $230 per month, in seven years you'll have enough reserves to replace your HVAC and windows.
  • Roof: Using the same replacement cost of $10k... you know to save an additional $120, which now brings your total monthly savings to $350 per month, so in seven years you'll have enough to replace your HVAC, windows, and roof. See how the forecaster gets you thinking and planning ahead...
  • Driveway: Now, depending on size, type, and location. You'll have to make a judgement call on how you want to go about this... For example, costs will vary whether you have a long concrete driveway or a small asphalt parking lot. If you can't make an educated guess than get some quotes. If you have light traffic, no potholes, no big trees/roots lifting, or sinking, or cracks, etc; then maybe just contribute an extra $15 monthly (e.g. 15 x 84 = 1260). So, that's now a grand total of $365 per month you'll need to save. With this plan, you'll ensure you're prepared in seven years; in the event you need to replace your HVAC, windows, and roof (along with the possibility of some light maintenance to your driveway).
  • ​Fire extinguishers and smoke detectors: Lastly, even though the costs are minimal compared to the major items above, it's important to always keep fire extinguishers and smoke detectors in good working order. These things can save lives and protect assets. So, in an effort to ensure you replace these items before they expire, you'll want to track these items too. I hope you recognize the importance of using this forecaster...so...set a calendar reminder to revisit this resource every year...DO IT RIGHT NOW!!!

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