Your evenings back.
Your inbox quiet.
Your communities,handled by Forge.
Forge is your AI teammate, helping answer the questions your residents have, drafting the letters you'd otherwise write after you get home, and keeping every community on track (whether you manage one or a hundred) without needing you in every detail.
Also available on mobile
Full-Stack Financials
Invoicing, budgets, P&L, reserve forecasting
Works with any bank. Even yours.
Connect via Plaid for real-time visibility, or upload a PDF statement and we OCR it. No integration required.
Governance & Compliance
Violations, ARC, voting, audit trails
Officer-Specific AI Dashboards
President, Treasurer, Secretary, each with their own AI workspace
Everything your community needs
Replace scattered tools and spreadsheets with a single source of truth for financials, operations, governance, communications, and intelligent automation.
Complete financial management your treasurer will love
Pick Simple mode for self-managed boards (6 sidebar items, one button to bill all owners). Switch to Pro for management firms (intercompany, dual approval, consolidated reporting). Same engine, different surface area.
Real General Ledger (not a flat list)
Double-entry chart of accounts auto-seeded per community. Every invoice and payment posts a balanced journal entry, Trial Balance and Balance Sheet are always in sync. Vantaca and CINC have flat transaction lists; we have the books.
Invoicing & Collections
Generate invoices, track payment status, manage partial payments, and export ledgers to CSV.
Multi-Method Assessment Calculations
Six methods on recurring dues: flat, per square foot (townhomes), percent interest (Florida condo standard), per bedroom, corner premium, custom per unit. Optional min/max clamps. CINC and PayHOA only do flat-rate.
Budgets & Variance
Create annual budgets by category. See budgeted vs actual in real time with variance percentages.
Automated Assessment Generation
Configure recurring assessments. A daily cron generates invoices per unit using the right calculation method and posts journal entries automatically.
Trial Balance, Balance Sheet, P&L, Cash Flow
Six standard reports including Trial Balance and Balance Sheet driven directly off the GL, both with auto-balance check indicators. Date range pickers and CSV export.
Per-Owner Ledger Statements
Drill into any owner to see every charge, payment, NSF event, and credit with running balance, pulled from journal entries, not aggregated approximations. Print-ready, attorney-grade audit trail.
NSF / Returned Payment Automation
Stripe ACH bounce or chargeback? We auto-reverse the GL, reopen the invoice, assess an NSF fee, and log the bank reason code. Configurable PMC markup percentage on top of the base fee, turn returns into revenue.
Reserve Fund Forecasting + AI Import
Multi-year projections with asset condition tracking. Drop in a reserve study PDF and AI auto-extracts every component, useful life, and replacement cost, saves hours of manual data entry.
Delinquency Management
Aging reports (30/60/90+ days), lien tracking, and payment plan creation with installment schedules.
AI Expense Analyzer
Surface outliers, categorize transactions, and spot month-over-month anomalies before they become problems.
Financial Analytics
Interactive dashboards for revenue mix, expense trends, and unit-level collection performance.
Online Payments (Stripe + ACH)
Cards and bank transfers in one click. Configurable per-community service fees, autopay, instant ACH verification via Plaid-style flow, and refund tools for the board.
Special Assessments
One-time levies for capital projects with pro-rata calculation across units (equal, % ownership interest, or square footage). Optional community-vote workflow + one-click invoice generation.
QuickBooks Online Sync
OAuth-based one-click connection to QBO. Pushes invoices and payments to your books automatically, tax-time clean ledger without manual reconciliation.
Manual Journal Entry Editor
For accountants posting adjustments, opening balances, year-end reclasses. Full debit/credit form with submit blocked unless balanced. Every entry auditable + reversable.
Year-End Fiscal Close
One-click closing entry rolls income + expense accounts into retained earnings. Auto-locks the closed period (90-day permanent lock for compliance). Required for any HOA on a fiscal-year reporting cycle.
15+ Standard Reports
Trial Balance, Balance Sheet, P&L, Cash Flow, Vendor 1099, AP Aging, Deposit Slip, Resale Package / HOA-Cert, Violations by Unit, ARC Log, Owner Statement, Reserve-Lender Export, Year-End Summary, Bank Reconciliation, Operational. Every one with CSV export.
Plaid Bank Feeds + Live Reconciliation
Connect operating, reserve, and trust accounts via Plaid. Nightly sync pulls bank_transactions; statement-level reconciliation matches them against GL cash with one-click "mark cleared", no more spreadsheet recon. FDIC-coverage flag per account for your auditor.
AI Invoice Intake (OCR + Categorization)
Drop a vendor invoice PDF; Gemini reads header + line items in seconds, then suggests the chart-of-accounts mapping with a confidence score. Approve once and the entry posts itself. Cuts AP data entry by 80%.
Outbound Bill Pay (Checks · ACH · Virtual Cards)
Pay vendors directly from ForgeHOA. NACHA-compliant ACH batches, Lob-printed checks with your letterhead and signature, or single-use Marqeta virtual cards. Dual-signer approval over your threshold. No more writing checks by hand.
13-Week Rolling Cash Forecast
Forward-looking liquidity view: opening cash + expected receipts (recurring assessments × units + scheduled special assessments) − expected disbursements (recurring vendor bills + bank-side debits). Expand any week to see the contributing items.
Budget Variance Alerts
Heat-map of budgeted vs. actual by account × month. Per-account thresholds (% or $) auto-raise alerts when crossed. "Landscaping is 18% over YTD" lands in your inbox before the next board meeting, not after.
1099-NEC Year-End e-File
Every vendor crossing the IRS $600 threshold gets a 1099-NEC PDF auto-generated and filed-ready. No more $200 per-form CPA fees.
Mobile Check Capture
Photograph an incoming paper check on your phone. AI reads the MICR line and amount, ties the deposit to the right owner automatically, and flows into the deposit-slip workflow. Treasurer's desk drawer of un-deposited checks: gone.
Reserve Study Firm Direct Sync
Connect Association Reserves, Reserve Advisors, or Miller-Dodson via API. Components refresh monthly without OCR or manual updates. Manual edits are preserved across syncs.
AI Collections Agent
Autonomous statute-compliant outreach to delinquent owners, email, SMS, mailed letter, or call script. AI proposes payment-plan terms within your policy bounds. Board reviews drafts (or auto-sends). Pulls citations from your state's statute corpus on every send.
Credit Reporting (Opt-In)
Reward residents who pay on time, report their HOA payments to Experian RentBureau via Metro 2 monthly batch. $5–10/owner/year revenue line. Opt-in only with full consent capture; statute-state policy enforced.
AI that understands every role on your board
Other platforms bolt on a generic chatbot. ForgeHOA's AI is designed around the actual work of presidents, secretaries, treasurers, and managers, and backed by every meeting, vote, and decision your community has ever made.
Meet Forge.
Forge is your AI teammate, the one who drafts violation letters in your tone, answers "why do we require front-door color approval?" with cited precedent, and quietly preps your board packet 48 hours before every meeting. Built for volunteer boards who'd rather spend Saturday with their family than chasing spreadsheets.
Board Meeting Live Copilot
Records and transcribes meetings in real time. Detects motions, seconds, votes, and Robert's Rules violations as they happen. When the meeting ends, one click produces formal minutes, action items, and a resident-friendly summary.
Role-Aware Morning Briefings
Every morning, each board member gets a one-paragraph briefing tailored to their role. The treasurer sees pending invoices and variance alerts. The secretary sees upcoming meetings and overdue action items. Nobody else ships this.
Institutional Memory Search
Ask "why do we require front-door color approval?" and get a cited answer from every past decision, motion, and policy change. A newly elected board inherits decades of context in seconds instead of rediscovering lessons the hard way.
Universal AI Response Drafter
Every inbound (resident messages, violation appeals, ARC submissions, maintenance notes) gets a pre-drafted reply referencing your community's specific CC&Rs and past precedent. Edit, send, done.
Community Health Report
A synthesized 0-100 score, refreshed monthly, rolling up financial, operational, and engagement signals into one narrative. Trend arrows, key drivers, and a prioritized list of recommendations, so the board walks into every meeting knowing what matters.
Proactive Advisor
Watches seven pattern types in the background (escalating violations, at-risk delinquents, vendor spend anomalies, compliance deadlines, maintenance SLA slippage, insurance expirations, meeting prep) and surfaces what needs action before it becomes a fire.
Plus the AI toolkit you'd expect
Context-Aware AI Chat
Role-aware copilot that shifts persona (CPA, parliamentarian, compliance expert) based on the page you're on. Grounded in your actual CC&Rs via semantic search.
Document Analysis & RAG
Uploaded CC&Rs, bylaws, and policies are chunked and embedded. The AI answers with direct citations from your governing documents, not generic advice.
Budget Generation
Draft a complete annual budget based on your unit count, historical spending, and HOA benchmarks.
Violation Letter Drafting
First notice, second notice, final warning, hearing notice, resolution. All drafted against your rules.
Expense Anomaly Detection
Flags invoices that deviate from a vendor's historical pattern before you approve.
Vendor Performance Scoring
Each vendor gets an auto-graded A-F score for consistency and pricing. Outliers are flagged with a "> 25% deviation" anomaly banner before payment.
Delinquency Forecasting
Predicts which residents are drifting toward delinquency. Risk tiers (low/moderate/high/critical) and a projected "delinquent by" date drive proactive outreach.
Smart Invoice Routing
Every pending invoice gets an inline auto-approval hint based on amount, vendor history, and approval thresholds, so approvers focus on the real decisions.
Violation Photo Triage
Snap a photo of a suspected violation. Multimodal AI categorizes it, drafts the description, suggests the right CC&R section, and proposes the first action, all in one tap.
Message Sentiment Early Warning
Hourly AI pass over resident messages detects rising tension, recurring complaint themes, and declining sentiment, surfacing community friction before it boils over into lawsuits or recall elections. Aggregates only, never individual messages.
Fair Housing Risk Scanner
Every outbound letter, message, and ARC decision is AI-screened against 13 protected classes under the Fair Housing Act before it sends. Flags risky phrasing with an AI-rewritten safer version side-by-side, and retains the audit trail as discovery evidence.
Auto-Assembled Meeting Packets
48 hours before every scheduled board meeting, an agent assembles the full packet (financials, delinquency, maintenance, violations, vendor scorecard, action items) with a one-paragraph "what to focus on" narrative at the top. Eliminates 80% of board-meeting prep.
"Why Did My Dues Go Up?" Explainer
Residents ask in plain English; the AI cites the exact budget line items, reserve study components, and meeting minutes driving the increase. Directly reduces recall-election risk by making every dues change transparent on demand.
CC&R Drift Detector
Quarterly scan cross-references every rule in your governing documents against enforcement history. Flags rules that haven't been enforced in months, the exact pattern a court calls "selective enforcement" and that kills HOA violation cases.
Reserve Study Auto-Updater
Replaces the $3-8K-every-5-years reserve study industry. Continuously regenerates from your asset register, maintenance log, and recent vendor bids. Board approves each proposed component update.
Every Essentials plan ships with the AI Dashboard Summary and 25 Assistant questions per month. Add the Advanced Toolkit to unlock the full AI suite, unlimited Assistant, Document AI, and the Insights Suite. No per-query fees.
Every officer gets their own AI workspace
Generic platforms hand all 5 board members the same dashboard. ForgeHOA tunes the tools to the role.
President
President's command center
- •Open action items rolled up across the board
- •AI-drafted meeting agendas from recent activity
- •Board-email drafter grounded in your governing docs
- •Executive summary of the week in 30 seconds
/officers/president
Treasurer
Treasurer's financial cockpit
- •AR aging with AI "what to chase first" guidance
- •Reserve health alert with funded-percentage trend
- •Budget variance flagger across every GL line
- •1099 readiness check before year-end close
/officers/treasurer
Secretary
Secretary's records office
- •AI minutes drafted from a single recording upload
- •Records-retention deadlines tracked by statute
- •Statute citation helper (FL 720 / CA Davis-Stirling / TX 209)
- •Governing-doc tracker with version history
/officers/secretary
VP / At-Large
Backup-of-all view
- •Full board access, every dashboard, every queue
- •Ready to step in for any officer on short notice
- •Optional notification routing per officer title
- •Same morning-briefing engine, your choice of focus
Generic HOA platforms
Same dashboard for everyone, with role checkboxes hiding sections. Officer titles are a label, not a workflow.
ForgeHOA
5 dashboards. 11 AI tools. Tuned to each officer's actual work, with morning briefings and notification routing that respect the title.
Accounting your CPA, your attorney, and your reserve study will all trust
Every board that has been embezzled has the same regret: they never had a system that made it hard. ForgeHOA's accounting is built around the controls a forensic accountant would expect, from the smallest 12-unit condo to a multi-state firm.
No deleted journal entries, ever
Reversed entries leave both the original and the reversal on the books, linked. A future auditor or attorney sees the complete history, the same way GAAP and the IRS expect.
Two-person rule on large entries
Set a dual-approval threshold per community. Anything above lands in a pending queue. A second admin approves before it posts. Self-approval is rejected by the system, not by policy.
Closed periods stay closed
Once year-end is closed or a bank reconciliation is locked, the system refuses backdated entries. The only fix is a forward-dated reversing entry, which is exactly what your CPA wants to see.
Idempotent posting, no double charges
Every accounting operation carries an idempotency key. A flaky network or a frustrated user double-clicking "Post" returns the same entry, not two. Money flows are exactly-once by construction.
Nightly drift detection
A cron job recomputes every GL balance from raw journal entries every night and alerts if any community drifts by even one cent. Silent corruption surfaces in hours, not at year-end.
Per-community data isolation
Database-level row security enforces tenant boundaries. A property manager handling 40 communities cannot see across them by mistake, and a community admin cannot reach another association's books even with a hand-crafted URL.
Audit trail on every action. Per-community data isolation enforced at the database. Trace IDs propagate from user click to backend log so an incident is reconstructable line by line.
Whether you manage 1 community or 100
ForgeHOA scales from a 12-unit condo board to a multi-state property management firm.
Self-Managed Boards
Volunteer board members juggling spreadsheets, email threads, and paper forms. Get organized fast with zero learning curve.
- 30-day free trial, then plans start at $39/month for up to 30 units
- Dashboard replaces your treasurer's spreadsheet on day one
- Residents file maintenance requests online instead of texting the board president
- Generate violation letters from templates in seconds, or upgrade to AI drafting in the Advanced Toolkit
Property Managers
Professional managers running multiple communities. Centralize every client community in one login with role-based access, searchable switcher, and cross-community activity alerts.
- Search-first community switcher handles 20-100+ managed properties
- Unified inbox surfaces every resident message across your book in one feed
- Broadcast one announcement to every selected community in a single click
- Shared vendor directory + shared document templates, maintain once, use everywhere
- Formal community-management-transfer workflow for clean handoffs
Management Firms
Multi-property firms that need scale, consistency, and enterprise-grade controls. Pricing that rewards your growth.
- PMC master subscription, one invoice for your entire book
- Volume pricing: $49/community at 1-10, down to $19/community at 201+
- Portfolio dashboard rolls up violations, maintenance, A/R, insurance alerts across every community
- Scoped PM roles, junior PMs see only their assigned communities; senior PMs see everything
- SSO via your existing Google Workspace / Microsoft 365 identity (Enterprise tier)
Built for the volunteer treasurer
From signed contract to first monthly close in three clicks
Simple mode collapses the Finance sidebar to 6 items, hides every CPA term, and gives the treasurer one obvious button at every step. The Pro tools are still there, one click away, for the day the board hires a management firm.
- Day 1
Bill all owners
One button on the Money In landing. Picks the right amount per unit, sends invoices, posts the journal entries. Done.
Money In12 unitsOutstanding$2,100Owners12This month$2,400 - Day 15
Drop in the bank statement
Chase doesn't talk to Plaid? No problem. Upload the PDF, Gemini reads every transaction, totals tie out, transactions land in the register.
chase-statement-may.pdf✓ 47 transactions extracted✓ Ending balance ties outLast-4 account number redacted - Day 30
AI writes the treasurer's note
Monthly P&L plus a one-paragraph AI summary the treasurer can drop into the board email verbatim. No spreadsheet, no PowerPoint.
May P&L · Sunset RidgeAssessment income$2,400Operating expense($1,820)Net$580AI Treasurer's Note: Operating expenses ran 4% under budget this month, driven mostly by lower landscaping spend...
Same engine runs a 12-unit condo and a 1,400-unit portfolio. Switch the Accounting Mode in Settings and the sidebar reshapes. No re-platforming, no re-migration, no separate product to learn.
See how ForgeHOA stacks up
The 15 biggest differentiators side-by-side with the most common HOA platforms. Click below for the full 100-row matrix.
| Feature | ForgeHOA | PayHOA | Condo Control | Vantaca | AppFolio CA | eUnify |
|---|---|---|---|---|---|---|
| Real double-entry general ledger | Essentials | |||||
| Six assessment-calculation methods (flat, per sq-ft, % interest, per bedroom, corner premium, custom) | Essentials | |||||
| Plaid bank feeds + statement-level reconciliation | Essentials | |||||
| Upload a PDF bank statement (no bank integration required) | Essentials | |||||
| Volunteer-treasurer mode, Simple sidebar hides advanced accounting | Essentials | |||||
| Outbound bill-pay (printed checks via Lob, ACH/NACHA, virtual cards) | Essentials | |||||
| 13-week rolling cash forecast + budget variance alerts | Essentials | |||||
| Resale disclosure + lender packets (state-specific, sold direct to title) | Essentials | |||||
| Vetted vendor marketplace with referral revenue | Essentials | |||||
| Multi-model AI routing (Claude Sonnet for high-stakes drafting, Gemini for volume + PDFs) | Essentials | |||||
| Officer-specific AI dashboards (President / Treasurer / Secretary) | + Advanced | |||||
| AI Collections, statute-aware delinquent-owner outreach | + Advanced | |||||
| Best-in-class mobile inspections (offline, voice, GPS, annotations) | Essentials | |||||
| Smart-home / IoT, Latch, ButterflyMX, ChargePoint EV | Essentials | |||||
| Statute-aware AI (FL Ch 720/718, CA Davis-Stirling, TX Ch 209, AZ, NV) | + Advanced |
Comparison based on publicly available feature lists as of April 2026. "Partial" indicates the feature exists but with fewer capabilities than ForgeHOA.
Florida Chapter 720, California Davis-Stirling, Texas Chapter 209, and more
Each state page details the statutory requirements ForgeHOA handles for your association, from annual budget reports to reserve-study cycles.
Designed around what HOAs actually struggle with
We're a new platform, so instead of borrowed testimonials, here's the industry data that drove every decision, and exactly what we built in response.
Average time HOA boards spend on admin using spreadsheets and email.
In ForgeHOA: Dashboards, auto-generated invoices, and AI drafts replace most manual work.
Face a funding shortfall because reserve studies are outdated or missing.
In ForgeHOA: Built-in reserve forecasting projects 30 years out in minutes, no consultant.
Typical range of overdue assessments. Manual tracking makes it worse.
In ForgeHOA: Automatic aging reports, late-fee rules, and payment plans with lien tracking.
Go unresolved because follow-up letters and fine tracking fall through the cracks.
In ForgeHOA: Full violation lifecycle: photo capture, 6 letter templates, fine invoicing, audit trail.
Industry figures above are approximate ranges from Community Associations Institute (CAI) and public HOA-management reporting. Sources available on request.
What's in every plan
No tiers that hide the good stuff behind upsells.
Be one of our first 50 communities
Charter pricing for the first 50 communities that go live. Founding communities keep their rate for as long as they're on the platform, plus direct access to the team and a vote on the roadmap.
Enterprise-grade security built in
Modern pricing for modern HOA management
Every plan includes the full operational toolset. Pick the tier that matches your unit count, add the Advanced Toolkit when you want unlimited AI and the Insights Suite.
Essentials
Everything a small association needs to operate compliantly
Up to 30 units
30-day free trial
- Stripe payments, autopay, NSF automation
- Online voting, proxies & ballot mailings
- ARC review, committees & amenity booking
- Letters, forms, inspections & meeting packets
- Maintenance tickets, violations, COI tracking
- Manual journal entry, BS / IS / TB, reserves
- 9 of 10 power reports + bulk owner CSV import
- E-signatures (25 envelopes / month)
- AI Dashboard Summary, always on
- AI Assistant, 25 questions / month
Essentials Plus
Same complete toolset, sized for mid-size associations
Up to 150 units
30-day free trial
- Everything in Essentials
- Higher unit cap, supports up to 150 units
- Stripe payments, autopay, NSF automation
- Online voting, proxies & ballot mailings
- ARC review, committees & amenity booking
- Letters, forms, inspections & meeting packets
- Manual journal entry, BS / IS / TB, reserves
- 9 of 10 power reports + bulk CSV import
- E-signatures (25 envelopes / month)
- AI Dashboard Summary + 25 AI questions / month
Enterprise
For management firms and large associations
Unlimited units
Talk to sales
- Everything in Essentials Plus
- Advanced Toolkit included
- Insurance Marketplace
- Dedicated onboarding + transition specialist
- Priority support + uptime SLA
- White-label branding per community
- Volume-based pricing per association
- SSO + SCIM provisioning
- Platform-wide audit log
- Bank-partner integration (lockbox, ACH file)
Add the Advanced Toolkit on either tier
Unlock unlimited AI, the full AI Insights Suite, QuickBooks sync, and the rest of the power features. +$49/mo , stacks on Essentials or Essentials Plus.
AI Assistant unlimited
No 25/mo cap, ask anything, anytime
Document AI
Auto-tag uploads + extract from CC&Rs
Custom report builder
Schedule + reserve lender format
QuickBooks sync
Two-way GL sync + API access
Maintenance automation
Workflows, vendor portal, scoring
Inbound email logging
Auto-thread vendor + owner replies
AI Insights Suite
Sentiment, CC&R drift, fair-housing scanner, more
E-signatures unlimited
Beyond the 25/mo Essentials cap
Cancel anytime
No annual commitments unless you choose annual billing. Pro-rated refunds.
Your data, exportable anytime
Full CSV export of every record, on demand. No lock-in by design.
Encrypted in transit & at rest
TLS 1.3, AES-256 at rest, two-factor authentication, full audit trail.
All plans include email/password auth, community microsite, notification preferences, mobile apps, and CSV data export.
Bank or processor partner interested in a referral relationship? Let's talk
Ready to modernize your community?
Replace spreadsheets and paper forms with a platform residents will actually enjoy using. Set up in under five minutes.
No credit card required. 30-day free trial. Plans start at $39/month.