A tailored reserves policy that explains how much your charity holds, why, and what the trustees will do if reserves are too high or too low.
Charities
Reserves Policy
About this document
A reserves policy built around the Charity Commission’s guidance “Charity reserves: building resilience” (CC19), updated in September 2026. The Commission now expects policies to be specific to the charity rather than generic wording – so this template walks the trustees through a reasoned calculation, with a worksheet in the Schedule.
The document is laid out in the sections below. Each one comes with a plain-English guidance note explaining what it does and what to change.
Our templates are professionally structured starting points for UK businesses, not legal advice. For anything complex, unusual or high-value, have your final version checked by a solicitor.
Included in the pack
Charities
for every document in this category
Editable Microsoft Word files
Guidance notes in every document
Written for UK businesses
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