diff --git a/include/xrpl/ledger/View.h b/include/xrpl/ledger/View.h
index 0e0aea4da0..51a46f20ee 100644
--- a/include/xrpl/ledger/View.h
+++ b/include/xrpl/ledger/View.h
@@ -553,6 +553,9 @@ areCompatible(
 uint32_t
 ownerCount(std::shared_ptr<SLE const> const& sponsorSle);
 
+XRPAmount
+calculateReserve(std::shared_ptr<SLE const> const& sle, Fees const& fees);
+
 bool
 isReserveSponsored(STTx const& tx);
 
diff --git a/src/libxrpl/ledger/View.cpp b/src/libxrpl/ledger/View.cpp
index a24090454c..256241f569 100644
--- a/src/libxrpl/ledger/View.cpp
+++ b/src/libxrpl/ledger/View.cpp
@@ -732,20 +732,10 @@ xrpLiquid(
     std::uint32_t const ownerCount = confineOwnerCount(
         view.ownerCountHook(id, sle->getFieldU32(sfOwnerCount)), ownerCountAdj);
 
-    std::size_t sponsoredOwnerCount = sle->getFieldU32(sfSponsoredOwnerCount);
-    std::size_t sponsoringOwnerCount = sle->getFieldU32(sfSponsoringOwnerCount);
-    bool isAccountSponsored = sle->isFieldPresent(sfSponsorAccount);
-    std::size_t sponsoringAccountCount =
-        sle->getFieldU32(sfSponsoringAccountCount);
-
     // Pseudo-accounts have no reserve requirement
-    auto const reserve = isPseudoAccount(sle) ? XRPAmount{0}
-                                              : view.fees().accountReserve(
-                                                    ownerCount,
-                                                    sponsoredOwnerCount,
-                                                    sponsoringOwnerCount,
-                                                    isAccountSponsored,
-                                                    sponsoringAccountCount);
+    auto const reserve = isPseudoAccount(sle)
+        ? XRPAmount{0}
+        : calculateReserve(sle, view.fees());
 
     auto const fullBalance = sle->getFieldAmount(sfBalance);
 
@@ -1146,6 +1136,21 @@ ownerCount(std::shared_ptr<SLE const> const& sponsorSle)
     return ownerCount + sponsoringOwnerCount - sponsoredOwnerCount;
 }
 
+XRPAmount
+calculateReserve(std::shared_ptr<SLE const> const& sle, Fees const& fees)
+{
+    XRPL_ASSERT(
+        sle->getType() == ltACCOUNT_ROOT,
+        "xrpl::calculateReserve : valid sle type");
+
+    return fees.accountReserve(
+        sle->getFieldU32(sfOwnerCount),
+        sle->getFieldU32(sfSponsoredOwnerCount),
+        sle->getFieldU32(sfSponsoringOwnerCount),
+        sle->isFieldPresent(sfSponsorAccount),
+        sle->getFieldU32(sfSponsoringAccountCount));
+}
+
 bool
 isReserveSponsored(STTx const& tx)
 {
diff --git a/src/xrpld/app/tx/detail/Payment.cpp b/src/xrpld/app/tx/detail/Payment.cpp
index 4c1bdf02a8..f85840269c 100644
--- a/src/xrpld/app/tx/detail/Payment.cpp
+++ b/src/xrpld/app/tx/detail/Payment.cpp
@@ -612,24 +612,9 @@ Payment::doApply()
     if (!sleSrc)
         return tefINTERNAL;  // LCOV_EXCL_LINE
 
-    // ownerCount is the number of entries in this ledger for this
-    // account that require a reserve.
-    auto const ownerCount = sleSrc->getFieldU32(sfOwnerCount);
-
-    // This is the total reserve in drops.
-    std::size_t sponsoredOwnerCount =
-        sleSrc->getFieldU32(sfSponsoredOwnerCount);
-    std::size_t sponsoringOwnerCount =
-        sleSrc->getFieldU32(sfSponsoringOwnerCount);
-    bool isAccountSponsored = sleSrc->isFieldPresent(sfSponsorAccount);
-    std::size_t sponsoringAccountCount =
-        sleSrc->getFieldU32(sfSponsoringAccountCount);
-    auto const reserve = view().fees().accountReserve(
-        ownerCount,
-        sponsoredOwnerCount,
-        sponsoringOwnerCount,
-        isAccountSponsored,
-        sponsoringAccountCount);
+    // the number of reserves in this ledger for this account that require a
+    // reserve.
+    auto const reserve = calculateReserve(sleSrc, view().fees());
 
     // mPriorBalance is the balance on the sending account BEFORE the
     // fees were charged. We want to make sure we have enough reserve
diff --git a/src/xrpld/app/tx/detail/XChainBridge.cpp b/src/xrpld/app/tx/detail/XChainBridge.cpp
index 12f0514032..de7f21252f 100644
--- a/src/xrpld/app/tx/detail/XChainBridge.cpp
+++ b/src/xrpld/app/tx/detail/XChainBridge.cpp
@@ -428,20 +428,7 @@ transferHelper(
             return tecINTERNAL;  // LCOV_EXCL_LINE
 
         {
-            auto const ownerCount = sleSrc->getFieldU32(sfOwnerCount);
-            std::size_t sponsoredOwnerCount =
-                sleSrc->getFieldU32(sfSponsoredOwnerCount);
-            std::size_t sponsoringOwnerCount =
-                sleSrc->getFieldU32(sfSponsoringOwnerCount);
-            bool isAccountSponsored = sleSrc->isFieldPresent(sfSponsorAccount);
-            std::size_t sponsoringAccountCount =
-                sleSrc->getFieldU32(sfSponsoringAccountCount);
-            auto const reserve = psb.fees().accountReserve(
-                ownerCount,
-                sponsoredOwnerCount,
-                sponsoringOwnerCount,
-                isAccountSponsored,
-                sponsoringAccountCount);
+            auto const reserve = calculateReserve(sleSrc, psb.fees());
 
             auto const availableBalance = [&]() -> STAmount {
                 STAmount const curBal = (*sleSrc)[sfBalance];