Meet DuesWatch — Your HOA dues, with receipts

Finance

DuesWatch

Your HOA dues, with receipts

What DuesWatch does

Your dues letter says the fee is going up again. DuesWatch is the owner-side ledger that turns every increase, assessment, and board vote into a record you can actually use — on your phone, private, no account.

HOA and condo fees surged 44 percent in 2025 to a median of 757 dollars a month in tracked markets, and nearly one in ten associations levied a special assessment on top. Insurance-driven master-policy increases of 30 to 500 percent are flowing straight into owners' monthly bills. The board has software for all of it. You have a shoebox of letters.

DuesWatch flips that. Log each dues change as it lands and tag what drove it: insurance, reserves, repairs, management, legal. A five-minute backfill wizard reconstructs your history since purchase, and the trajectory chart shows the compounded truth in one glance — 380 dollars a month when you bought in 2021, 912 today, up 140 percent, with 60 percent of the climb tagged to insurance.

Special assessments get their own stack. Record each one with its amount, cause, and payment schedule, and DuesWatch folds them into your true monthly cost of ownership — the number that actually decides whether you stay or sell. The affordability projection runs your current trajectory forward twelve months so the next letter is a data point, not a shock.

When the annual meeting or the listing appointment comes, you walk in with receipts: a meeting and vote log tied to every fee decision, and a clean dues-history document for your realtor, attorney, or board challenge. Bundled national and state median trends show whether your building is typical or an outlier.

Everything stays on your device. No bank link, no login, no subscription — your housing costs are nobody's data business.

• Dues timeline with cause tags for every increase since purchase • Trajectory chart showing your compounded increase and what drove it • Special assessment stack folded into your true monthly cost • Twelve-month affordability projection at your current trend • Board meeting and vote log tied to fee decisions • Shareable true-cost card and dues-history document • Offline, private, no account, nothing leaves your device

A look inside

Tap any screenshot to open the full-resolution version.

What's inside

• Dues Timeline & Backfill Wizard — Log every dues change with its effective date, amount, and cause tag (insurance, reserves, repairs, management, legal). A guided backfill wizard reconstructs your full history since purchase in about five minutes, so the chart is compelling on day one. Works identically on iPhone and iPad.
• Trajectory Chart & True-Cost Card — The shareable moment: a compounded-increase chart ('$380/mo in 2021 → $912/mo today, +140%, 60% insurance') stacked with assessments into your REAL monthly cost, rendered as a polished card you can export as an image for Reddit, Facebook building groups, or the local reporter — with your address kept off it.
• Assessment Stack — Every special assessment recorded with amount, cause, vote date, and payment schedule (lump sum or installments). DuesWatch amortizes them into your monthly true cost so back-to-back assessments stop being unrecallable one-off shocks.
• Cause-Tag Analytics — A dollar-weighted breakdown of what actually drove your increases since purchase — insurance vs reserves vs repairs vs management — compared against bundled national and state median dues trends so you know if your building is an outlier.
• Affordability Projection — Runs your dues trajectory and open assessment installments forward 12 months against a monthly budget you set, flagging the month the line crosses it — the sell-or-stay number owners currently can't reconstruct.
• Meeting & Vote Log — Date-stamped notes on board meetings, budget votes, and what the board claimed, each linkable to the dues change or assessment it produced — so you walk into the annual meeting (or the listing appointment) with receipts. Budget-season reminders bring you back before the vote.

Why we built it

HOA fees surged 44% in 2025 (median $757/mo in tracked markets) and ~10% of associations levied a special assessment (median $1,100, commonly $1,000-5,000 in FL/CA), yet owners get each increase letter with zero context: no personal history of their dues, assessments, or causes. Every software tool in the space (PayHO…

What makes it different

PayHOA, DoorLoop, EasyHOA, HOA Start, Buildium, and ManageCasa are all board/manager-side SaaS — the owner is the payer, never the customer, and the data doesn't survive a management-company change. Mint/Rocket Money-style apps see a bank payment amount but can't distinguish dues from assessments from fines, and know…

Who it's for

Freelancers, contractors, and small-business owners who want their numbers right at tax time without renting a SaaS to do it.

In one line: Your HOA dues, with receipts

Try it

See the Your HOA dues, with receipts for the full feature list, the info table, and support links.

Use DuesWatch, found a bug, or have a feature request? Comments are open below — anonymous is fine.