Is SpotHOA a full accounting system?

No. SpotHOA has no general ledger, chart of accounts, bank reconciliation or 1099 generation. It keeps an append-only dues ledger per unit, collects dues into your HOA's own Stripe account, and exports dues records as CSV and per-unit statements as PDF.

Can a treasurer edit or delete an old payment?

No. The ledger is append-only: historical entries cannot be edited or deleted, and corrections are recorded as new entries. A daily integrity check flags any record that no longer matches its fingerprint.

Can we keep using our spreadsheet or bookkeeping tool?

Yes. Export dues records as CSV whenever you need them and keep your books where they are. SpotHOA handles the dues record, collection and the shared history.

Free up to 50 units. Pro is $29 a month or $295 a year for up to 100 units. Homeowners who pay online pay a fee at checkout, 2% on Free and 1% on Pro.

HOA accounting software for a volunteer treasurer

If you searched for HOA accounting software because you just became treasurer of a small self-managed HOA, here is exactly what SpotHOA does for the money side, and what it does not. It keeps every unit’s dues on one append-only ledger, collects dues into your HOA’s own Stripe account, and gives you exports you can hand to anyone.

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The honest answer first

SpotHOA is not a general ledger. It has no chart of accounts, no journals, no balance sheet, no bank reconciliation and no 1099 generation. If your HOA needs full accounting inside one platform, a tool built for property-management accounting fits better, and the SpotHOA vs Buildium page says so plainly.

What most volunteer treasurers of a small HOA actually need is narrower: know who owes what, collect it without chasing, keep a record nobody can quietly change, and hand the next treasurer the full picture. That is the job SpotHOA does.

What the dues ledger does

Every dues charge, payment, waiver, refund and fee is a timestamped event on a permanent, append-only ledger, tied to the unit. There is no edit button on history: a correction is a new entry, recorded in the open. Each row carries a content hash and an automated integrity check verifies the ledger daily, so an edited, backdated or deleted record is flagged.

Online dues by card or ACH, paid into your HOA’s own Stripe account. SpotHOA never holds the money.
Checks and cash recorded by the board in the same ledger.
Late fees, payment plans and arrears tracking.
Refunds started by the board, with a stated reason, and a notice to the entire board.
Per-unit history at a glance, for the treasurer and the rest of the board.

The HOA dues tracking software page covers the collection side in more detail.

Reports and exports a treasurer can hand over

Your board can export dues records as CSV and per-unit statements as PDF at any time, on Free or Pro. The CSV opens in any spreadsheet, so SpotHOA can sit alongside the books your HOA already keeps rather than replace them.

For money that moves online, your HOA’s Stripe dashboard is the source of truth for payouts, disputes and 1099s. Budgets, year-end financials, the reserve study and bank statements belong in the document vault, next to the CC&Rs and the meeting minutes, where the next board can find them.

Built for the treasurer who will leave

In a small self-managed HOA, the treasurer is a volunteer with a day job, and the role turns over. When the records live in one person’s spreadsheet, every handover is a reconstruction project. When they live on a shared ledger the whole board can see, the next treasurer inherits the complete, timestamped record on day one.

The same structure is the strongest everyday control against a quiet mistake or worse: one volunteer no longer controls both the money and the only record of it. The embezzlement protection page explains what software can and cannot prevent, including the basics every board should keep, like two people watching the bank statement.

What it costs

Free for HOAs up to 50 units, forever, with no credit card to start. Pro is $29 a month or $295 a year and covers up to 100 units. Homeowners who pay dues online pay a small fee at checkout, shown as its own line item: 2% on Free, 1% on Pro. Payments the treasurer records by hand carry no online fee.

Frequently asked

Is SpotHOA a full accounting system?: No. SpotHOA has no general ledger, chart of accounts, bank reconciliation or 1099 generation. It keeps an append-only dues ledger per unit, collects dues into your HOA's own Stripe account, and exports dues records as CSV and per-unit statements as PDF.
Can a treasurer edit or delete an old payment?: No. The ledger is append-only: historical entries cannot be edited or deleted, and corrections are recorded as new entries. A daily integrity check flags any record that no longer matches its fingerprint.
Where do 1099s and payout records come from?: For online payments, your HOA's own Stripe dashboard is the source of truth for payouts, disputes and 1099s. SpotHOA never holds the money.
Can we keep using our spreadsheet or bookkeeping tool?: Yes. Export dues records as CSV whenever you need them and keep your books where they are. SpotHOA handles the dues record, collection and the shared history.
What does it cost?: Free up to 50 units. Pro is $29 a month or $295 a year for up to 100 units. Homeowners who pay online pay a fee at checkout, 2% on Free and 1% on Pro.

A dues record the next treasurer inherits intact.

No card, no contract. Free up to 50 units.

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