The 10 Best Church Accounting Software Programs in 2024

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Religious organizations have different bookkeeping practices and tax obligations to other US entities. That’s why you need specialized financial software for churches to manage your accounts.

Choosing a platform to track funding, reconcile accounts, and file taxes can be daunting when there are so many options. Our guide aims to make your decision easier by comparing the top 10 church accounting software based on their features, pricing, and best use cases.


FreshBooks - Best accounting software for small businesses

FreshBooks - Best accounting software for small businesses

  • 30-day free trial
  • From $19/month

Zoho Books - Cost-effective accounting for SMBs

Zoho Books - Cost-effective accounting for SMBs

  • 14-day free trial
  • From $15/month/user

Xero - Feature rich accounting for established businesses

Xero - Feature rich accounting for established businesses

  • 30-day free trial
  • From $15/month/user

QuickBooks - Most popular one-stop-shop solution

QuickBooks - Most popular one-stop-shop solution

  • 30-day free trial
  • From $15/month

Wave - Free easy-to-use accounting platform

Wave - Free easy-to-use accounting platform

  • Free plan available
  • Price from $16/month

Sage - Solves complex problems for enterprises

Sage - Solves complex problems for enterprises

  • 30-day free trial
  • From $59/month/user for Sage50

Bonsai - Simple financial management for creatives

Bonsai - Simple financial management for creatives

  • 7-day free trial
  • Price from $21/month

Melio - Free iOS payment management system

Melio - Free iOS payment management system

  • Free to use
  • Transaction fees

Xendoo - Personalized accounting for small US businesses

Xendoo - Personalized accounting for small US businesses

  • $365/month

APLOS - Dedicated church and nonprofit software

APLOS - Dedicated church and nonprofit software

  • 15-day free trial
  • Price from $79/month

The Best Accounting Software for Churches

  1. FreshBooks – Best for growing organizations
  2. Zoho BooksBest for churches with extensive software needs
  3. XeroBest for monitoring complex financial situations
  4. QuickBooksBest for tax compliance for non-profits
  5. WaveBest for churches on a tight budget
  6. SageBest for large religious organizations with complex needs
  7. BonsaiBest for collaborative church staff
  8. MelioBest for churches with multiple vendors
  9. XendooBest for churches with limited accounting expertise
  10. APLOSBest for combined finance and parish management

The Best Accounting Software for Church Finances Reviewed

We researched the best church accounting software on the market and analyzed their features, pricing, and performance. We used this research to determine each platform’s pros and cons and their best use cases.

Read the how we test section to learn more about our review process.

1. FreshBooks – Best for growing organizations

FreshBooks Logo

Best For Growing organizations
Free Trial 30-day free trial
Price From Starting from $19/month
Top 3 Features Automated messaging, billing, and loss reports
Why We Picked It

FreshBooks is the best option on our list for scaling. It has flexible pricing so you only pay for the features you need at your current growth stage. There’s also a range of automation tools from the lowest cost plan to build scalable accounting and funding processes.

  • Automated messages: FreshBooks lets you automatically send invoices and reminder emails to church members. The standout feature is the customization options which let you create profiles and personalize messages to individuals.
  • Auto-bills: You can set up recurring payments for pledges, saving you time chasing up donations. FreshBooks allows you to decide the schedule with specific members.
  • Loss and profit report: Churches can’t legally make profits but FreshBooks can still analyze your books to analyze your cashflow. Not every alternative offers this feature.
  • Payment collected: You can filter your data by person, amount, or payment method to track funds. Combined with the expense report, you can see where you’re losing money.
Pricing Plans

FreshBooks offers four plans with the option to add extra staff for $11 per month.

Lite Plus Premium Select
$19/month $33/month $60/month Custom
$228/year $396/year $720/year Custom

Lite – Designed for micro-businesses, Lite has basic accounting features such as invoicing, transfers, and expense tracking. You can already find automation tools like syncs and recurring payments in this starter plan.

Plus – This plan adds advanced accounting features such as support for double entry and bank reconciliations. You can invite your accountant to use the software and review your finances.

Premium – In the Premium plan, you get more customization and reporting tools. You can also use email templates to make communicating with parishioners faster and easier.

Select – The highest-cost plan has robust support options. You can access a dedicated account manager, personalized training, and guided setup along with all the features of the Premium plan.

You’ll find FreshBooks’ pricing structure is great for growing organizations. The pricing structure starts low and increases incrementally so you can easily plan and account for upgrades in your budget.

Who's It Best For?

Churches with small teams that intend to grow or expand should consider FreshBooks. They can automate processes for a low cost, leaving them free to focus on outreach and community services.

Pros pros

  • Very few limits of features
  • Low starting price
  • Flexible pricing structure
  • Option to add payroll

Cons cons

  • Steep learning curve for advanced features
  • Extra cost for additional members
  • Limited inventory tools
  • Unnecessary features for churches in lowest tier

Read our full FreshBooks review

2. Zoho – Best for churches with extensive software needs

Zoho Books Logo

Best For Churches with extensive software needs
Free Trial Free plan or 14-day free trial
Price From Starting from $20/month
Top 3 Features Dashboard, customizable receipts, and team collaboration
Why We Picked It

Through the Zoho platform, you can access a range of other solutions including marketing, security, and project management. That means your church can easily add the software it needs and manage it in one place.

  • Comprehensive dashboard: Zoho has one of the most intuitive dashboards of the solutions on our list. Its minimal design is easy to understand — perfect for church staff with little accounting experience.
  • Customizable receipts: You can tailor Zoho’s receipt templates to your church. There’s the option to edit everything from fonts and colors to images.
  • Multiple currency support: If you have international members, you can manage over 50 currencies through the Zoho platform.
  • Team collaboration: Bookkeeping is more likely to be a shared task in churches. That’s why we were happy to see Zoho lets you collaborate through chat, voice, and video calls.
Pricing Plans

There are six distinct pricing plans for Zoho’s accounting solution:

Free Standard Professional Premium Elite Ultimate
$0/month $20/month $50/month $70/month $150/month $275/month
$0/year $15/year $40/year $60/year $120/year $240/year

Free – The forever free plan supports one user and one accountant. You can find essential features such as invoicing and expense tracking but there’s only email support available.

Standard – The starter plan allows you to add another two users. You can also sync more accounts and access more advanced bookkeeping and support options.

Professional – This plan offers more tracking, reporting, and customization tools. As you add more members, you can especially benefit from the granular user permissions.

Premium – This plan supports up to ten users. It offers more advanced customization tools so you can tailor your financial processes more tightly to your church’s needs.

Elite- Designed for large organizations, the Elite plan offers advanced inventory control. It may not appeal to churches unless you sell a lot of merchandise.

Ultimate – The highest-cost plan adds advanced data and reporting tools. You can use the visualization and KPI tools to track the progress of any new initiatives.

Zoho beats many of its competitors on price. It not only has a free plan but a choice of upgrades and some of the lowest monthly fees.

Who's It Best For?

If you’ve got a hybrid congregation, you may have noticed you’ve come to rely more on IT and security tools. Zoho lets you combine these with your accounting solution so you’re not juggling different platforms.

Pros pros

  • Flexible pricing structure
  • Comprehensive free plan
  • Option to add a range of native software solutions
  • Robust mobile app

Cons cons

  • Caps on users
  • Budgeting tools limited to top-tier plans
  • No add-ons for the free plan
  • Limited integrations

Read our full Zoho review

3. Xero – Best for monitoring complex financial situations

Xero logo

Best For Monitoring complex financial situations
Free Trial 30-day free trial
Price From Starting from $15/month
Top 3 Features Analytics, reporting, and the mobile app
Why We Picked It

Xero differentiates itself from the alternatives with comprehensive, highly customizable reporting. You can get insights into past financial performance, predict trends, and run hypothetical scenarios.

  • Analytics: Xero has powerful analytics with a range of filters and functions. The ability to plan for future scenarios is a standout feature.
  • Reporting: No other alternative offers so many customization options for reporting. You can access the tool anytime, choose what to display, and instantly share them with church members.
  • Invoicing: You can easily create professional, branded invoices using Xero’s templates. Once sent, you can track the payment status via the dashboard.
  • Mobile app: Xero not only has an employer app but gives you access to most desktop tools. For example, you can send invoices, view statements, and check reports.
Pricing Plans

Xero has three fixed monthly plans for non-profits. It also offers expense tracking, project management, and analytics as add-ons.

Early Growing Established
$15/month $42/month $78/month

Early – The lowest-cost plan has basic bookkeeping and reporting tools. There’s a limit of 20 invoices or quotes which won’t be sufficient for most medium to large-sized organizations.

Growing – Designed for growing organizations, the Standard plan offers unlimited invoicing and daily bank reconciliations.

Established – The Premium plan adds multiple currency support. International churches can use the feature to assess exchange rates to find the best time to accept pledges.

We found the lowest-tier plan had limited features. However, Xero is one of the most competitively priced solutions on our list so you can easily upgrade if the restrictions pose issues.

Who's It Best For?

Religious organizations with multiple churches and revenue streams should consider Xero. The platform’s powerful analytics and reporting tools allow you to capture the complexities of your business.

Pros pros

  • Variety of integrations
  • 24/7 customer support
  • Employer and employee mobile apps
  • Discounts for non-profits
  • Advanced analytics tools

Cons cons

  • Steep learning curve
  • Expense management not included in plans
  • Limited features in lower-tier plans
  • Lots of additional fees

Read our full Xero review

4. QuickBooks – Best for tax compliance for US non-profits

QuickBooks Logo

Best For Tax compliance for US non-profits
Free Trial 30-day free trial
Price From Starting from $90/month
Top 3 Features Inventory tracking, bookkeeping services, and payment options
Why We Picked It

QuickBooks strikes a great balance between treating churches like a business and catering to their specific needs. There are specialist tools for religious organizations and the dedicated plans include the tools you’d need. However, QuickBooks also includes robust tax compliance features and support.

  • Inventory tracking: If you sell merchandise, QuickBooks can help you track your levels in real-time and reconcile them in your books. It also has a range of integrations with popular ecommerce websites.
  • Payment options: QuickBooks allows you to offer a variety of payment options including integrated solutions like PayPal and Venmo. They also offer a mobile card reader to accept donations on the go.
  • Bookkeeping services: Churches can benefit from outsourcing tax compliance to qualified professionals. QuickBooks has a reputation for hiring top US accounting experts.
  • Mileage tracking: QuickBooks lets you access the mileage tracker from the lowest-cost plan. Many competitors don’t include this feature but it’s essential for accurately recording the expenses of travelling church staff.
Pricing Plans

QuickBooks offers two dedicated accounting plans for churches and other non-profits:

Plus Advanced
$90/month $200/month

Plus – From the lowest cost plan, you can already access a comprehensive range of bookkeeping, reporting, and workforce management tools. There’s also a new financial planning tool that lets you collaborate with your staff on budgets.

Advanced – The highest-cost plan adds more advanced expense and reporting tools to give you more control over your cash flow. Your staff can also access 24/7 support and free training courses.

QuickBooks is one of the higher-priced solutions on our list. However, it includes all the essential features for churches (and nothing extra) so it’s worth the cost.

Who's It Best For?

If you’re unsure about your church’s tax status, QuickBooks can support you. Its team of specialists can help you navigate the US system to ensure you’re capitalizing on all possible tax advantages and saving your organization money.

Pros pros

  • Dedicated plans for non-profits
  • Range of faith integrations
  • Expert bookkeeping support
  • Option for 24/7 support
  • Popular among accounting firms

Cons cons

  • Cap of 25 users
  • High starter price
  • Limited choice of plans
  • Steep learning curve
  • No employer mobile app

Read our full QuickBooks review

5. Wave – Best for churches on a tight budget

Wave Logo

Best For Churches on a tight budget
Free Trial Free plan
Price From Starting from $16/month
Top 3 Features Payroll, self-service portal, and user permissions
Why We Picked It

Wave has the most affordable pricing on our list but still offers essential accounting tools. There’s a free plan with unlimited invoicing — something most competitors don’t even have in their lowest tier. All paid features such as the payroll and bookkeeping service are also competitively priced.

  • Payroll: Wave is one of the few church accounting software with payroll. This means you don’t have to learn two systems and worry about data syncing issues.
  • Advisory service: You can outsource bookkeeping for a very competitive fee through Wave. We appreciate how it’s an optional add-on and not a mandatory feature so churches can choose.
  • Self-service portal: Staff can access the system through a self-service portal that lets them update details and access paystubs. That means less administrative work for you.
  • User permissions: Although Wave is one of the simpler tools, it has highly granular permissions. That’s essential for churches that share their software with volunteers and donors.
Pricing Plans

Wave has a choice between a free and a paid plan. There’s also a payroll add-on for an extra $20 per month and a bookkeeping service which starts at $149 per month.

Starter Pro
$0/month $16/month
$0/year $170/year

Starter – The generous free plan grants you unlimited invoicing, estimates, and bookkeeping records. You only have to pay the 2.9% plus 60 cent transaction fee for each payment.

Pro – If you upgrade, you gain access to advanced bookkeeping tools, granular user permissions, and live customer support. The transaction fee is 2.9%, making the Pro plan one of the most cost-effective on our list.

The choice of Wave plans is limited. However, given the low pricing, you’re unlikely to find your organization going over budget.

Who's It Best For?

Tight profit margins mean you might not have the budget for an accounting tool. Wave lets you access all the basics for free and upgrade as your church gets more funding.

Pros pros

  • Forever free plan
  • Intuitive mobile app
  • User friendly
  • Robust user permissions
  • Unlimited invoicing across both plans

Cons cons

  • Limited support hours
  • Lacks inventory or time tracking tools
  • Additional fee for receipt scanning
  • Few customization options

Read our full Wave review

6. Sage – Best for large religious organizations with complex needs

Sage Logo

Best For Large religious organizations with complex needs
Free Trial 1-month free trial
Price From Custom pricing
Top 3 Features Real-time reporting, donation tracking, and automation
Why We Picked It

Most accounting software just cover the US. Sage is one of the few solutions to offer support for multiple countries, currencies, and languages across its tax compliance and reporting tools.

  • Real-time reporting: You can monitor your financial performance day to day. As Sage has specialist tools, you don’t have to configure the report fields for your church.
  • Global support: Sage is available across popular locations including the UK and Australia. That makes it easier to manage accounts for international churches with members in different countries.
  • Donation tracking: You can track donations from various sources and manage donor information. Sage also integrates with popular donation management software like RaiseDonors.
  • Automation: Churches can automate their entire workflow across different entities. You can set triggers to request your approval when needed.
Pricing Plans

Sage offers custom pricing for all its solutions, meaning you need to contact them for a quote. They say the best option for faith-based organizations is the Intacct plan.

Who's It Best For?

Multi-national churches can use Sage to manage their revenue streams from overseas. You can integrate with other global apps to seamlessly manage your staff and members.

Pros pros

  • Dedicated features for non-profits
  • Support for over 500 subscription scenarios
  • Native integration with ADP payroll
  • Access to Sage modules and add-ons

Cons cons

  • No upfront pricing
  • Dated design
  • Lots of additional fees
  • Complex user interface

Read our full Sage review

7. Bonsai – Best for collaborative church staff

Bonsai Logo

Best For Collaborative church staff
Free Trial 7-day free trial
Price From Starting from $25/month
Top 3 Features Invoicing, time tracking, and contractor management
Why We Picked It

Bonsai combines client, project, and financial management into one solution. The result is a platform that makes it easy for church staff, volunteers, and members to collaborate. We especially liked how all users can access and get approval on different types of documents.

  • Contract management: Bonsai’s unique feature lets you create best-practice agreements and have contractors sign them electronically. That way everyone can be clear about their rights and responsibilities before a project.
  • Time tracking: The tracker is integrated with the client and project management tools. That means you can get a quick, accurate idea of your staff’s hours on different tasks.
  • Invoicing: Using Bonsai’s automation tools, you can streamline the entire invoicing process. You can also set up recurring payments to reduce your workload even further.
  • Business account: Bonsai is one of the few options on our list that includes a bank account. It’s quick to set up and there are no minimum fees required.
Pricing Plans

Bonsai offers three plans with either a monthly fee or an annual commitment.

Starter Professional Business
$25/month $39/month $79/month
$21/year $32/year $66/year

Starter – Unlike many competitors, Bonsai offers unlimited invoicing, contracts, and proposals from its lowest-cost plan. You can also find basic workforce management tools such as tasks and time tracking to help organize your staff.

Professional – This plan includes everything in Starter plus workflow automation and popular integrations. You can also use it to schedule church events and manage staffing.

Business – Suitable for larger organizations, the Business plan gives you resource planning, contractor management, and capacity reporting.

Bonsai is more affordable than solutions like QuickBooks and Sage. The tradeoff is that it has fewer capabilities than either of these platforms.

Who's It Best For?

If your team shares responsibility for bookkeeping tasks, Bonsai is a good option. You can easily assign tasks, track time, and view what others have done. To keep data safe, Bonsai lets you control how much volunteers, members, and vendors see on your system.

Pros pros

  • Extensive collaboration tools
  • Easy to set up
  • Competitive pricing
  • Native CRM and project management tools

Cons cons

  • Bookkeeping and tax assistance not included
  • Short free trial
  • Added cost for extra users
  • Some client management tools unnecessary for churches
  • Limited integrations

Read our full Bonsai review

8. Melio – Best for churches with multiple vendors

Melio Logo

Best For Churches with multiple vendors
Free Trial Free plan
Price From Per transaction pricing
Top 3 Features Invoicing, payments, and collaboration tools
Why We Picked It

You can find a lot of support for vendors on Melio. The platform lets you add suppliers to the system and choose their preferred payment method without having them sign up. You then get a lot of control over how and when they receive the transfer.

  • Security: As Melio handles transfers, you can be sure all your information and payments are secure. They even protect checks by obscuring your details.
  • Customizable invoices: Despite being free, Melio’s invoicing feature is robust. We especially liked the option to add a payment button to the email.
  • Payment: Melio provides a unique payment feature where you can add vendors and choose how to pay them from the software. This saves you from managing different methods according to each supplier’s choice.
  • Collaboration: Melio lets you invite church staff or accounting firms. Then you can set up workflows and request approval for different steps so you retain control.
Pricing Plans

Melio stands out from other accounting solutions due to its free plan with per-transaction pricing. Organizations pay the following rates:

  • ACH bank transfers: Free
  • Mailed checks: $1.50
  • Card: 9%
  • Instant transfer: 1% with a limit of $50
  • Fast ACH transfer: 1% with a limit of $30
  • Fast check: $20
  • International payments: $20
Who's It Best For?

Churches that host a lot of events are likely to deal with many different vendors. With Melio, you can ensure you never lose track of your payments for them.

Pros pros

  • No monthly subscription
  • Free ACH transfers
  • Intuitive interface
  • Unlimited users
  • Extensive support for vendor payments

Cons cons

  • Lacks advanced accounting tools
  • No phone support
  • Focus on vendor payments over donations
  • Only allows transfers in USD

Read our full Melio review

9. Xendoo – Best for churches with limited accounting expertise

Xendoo Logo

Best For Churches with limited accounting expertise
Free Trial No
Price From Starting from $395/month
Top 3 Features Bookkeeping service, catchups, and tax support
Why We Picked It

While accounting automation can help streamline your bookkeeping, sometimes you need more support. That’s where Xendoo comes in. The solution combines software tools with specialist services to file taxes and offer financial advice.

  • Bookkeeping service: The Xendoo team can reconcile your books weekly or monthly depending on your needs. Your staff can access this information via the dashboard.
  • Reporting: Churches can receive reports and a professional analysis from Xendoo’s qualified accountants. You can discover potential issues or opportunities more easily.
  • Catch-up: If you’ve fallen behind on your books, Xendoo can organize them for an extra fee. They can even perform this service for previous years unlike many similar services.
  • Tax support: For an extra fee, Xendoo can file all your returns and reports to the state and federal US government.
Pricing Plans

There are three pricing plans based on your monthly revenue. You can also add tax guidance for $1200 a year.

Essential (for up to 50K) Growth (for up to 70K) Scale (for up to $125K)
$395/month $695/month $995/month
$355/year $625/year $895/year

Essential – Small churches can use this plan to manage weekly bookkeeping, monthly reports, and generate statements. You get a dedicated support team and a mobile app.

Growth – The Growth plan lets you add extra bank accounts and integrations. It also supports accrual accounting, a legal requirement for many organizations.

Scale – The highest cost plan offers everything in Growth plus more syncs and integrations. You can also benefit from a custom chart of accounts to organize your church’s general ledger.

While Xendoo costs more than most alternatives, that’s because you’re getting a dedicated bookkeeper. These services tend to cost more than the software subscription.

Who's It Best For?

Xendoo is best for church staff who want to hire an accountant but don’t have the budget. The team of experts can manage your books until you’re ready — or longer if it suits your team.

Pros pros

  • Competitive pricing
  • Robust mobile app
  • Access to a specialized, US-based team
  • Free Xero account included
  • 30-day money-back guarantee

Cons cons

  • No control over upgrades
  • Lacks free features
  • Reliance on third-party software
  • Accrual accounting unavailable in the lowest-cost plan

Read our full Xendoo review

10. APLOS – Best for combined finance and parish management

Aplos Logo

Best For Combined finance and parish management
Free Trial 15-day free trial
Price From Starting from $79/month
Top 3 Features Fund tracking, donation management, and church management
Why We Picked It

While APLOS is lesser-known than solutions like QuickBooks and Xero, its range of features speak for themselves. You can access dedicated tools for churches like giving reports and donation widgets all from the same platform.

  • Fund tracking: As a specialist church management software, APLOS lets you set more relevant categories and tags for your various funds. You can then track them all via the dashboard.
  • Donation management: APLOS supports a range of donation methods, including SMS and website widgets. You can also let attendees choose how they pay.
  • Event registration: You can create custom forms to collect information about your upcoming events. Budgeting for projects is much easier when you know how many attendees to expect.
  • Church management: Aplos offers a database specially designed for church attendees. You can view all your staff members, volunteers, and congregation data including their pledges and one-off donations.
Pricing Plans

You can choose between three monthly plans on APLOS:

Lite Core Advanced
$79/month $99/month Custom

Lite – The lowest-cost plan has a comprehensive range of basic accounting and event management features. There’s also a CRM-style solution to keep track of your regular attendees.

Core – Growing churches may appreciate the Core plan which includes more donation and billing features. That means you can streamline payments even as your congregation grows.

Advanced – The Advanced plan has everything in Core plus robust project management and budgeting tools. Pricing is custom starting at $189 per month.

While APLOS isn’t one of the most competitively priced on our list, it’s a very feature-rich platform. There are also generous discounts for new users to save you money while you familiarize yourself with the platform.

Who's It Best For?

If your church is heavily involved in the community, Aplos is for you. The combination of accounting, campaign, and outreach features allows you to run many aspects of your organization from the same dashboard.

Pros pros

  • Range of specialist church and non-profit features
  • Native project management tools
  • CRM tailored to religious organizations
  • Beginner friendly

Cons cons

  • Focus on specific churches over non-profits
  • Dated interface
  • High starter price
  • Advanced accounting limited to top-tier

The Top Online Church Accounting Software Compared

There are lots of details to consider when choosing the right church accounting software. Here’s a breakdown of the key points to help you compare:

Accounting Software Best For Free Version? Starting Price Top Features
FreshBooks Growing organizations 30-day free trial $19/month Automated messaging, billing, and loss reports
Zoho Churches with extensive software needs Free plan or 14-day free trial $20/month Dashboard, customizable receipts, and team collaboration
Xero Monitoring complex financial situations 30-day free trial $15/month Analytics, reporting, and the mobile app
QuickBooks Tax compliance for US non-profits 30-day free trial $90/month Inventory tracking, bookkeeping services, and payment options
Wave Churches on a tight budget Free plan $16/month Payroll, self-service portal, and user permissions
Sage Large religious organizations with complex needs 30-day free trial Custom pricing Real-time reporting, donation tracking, and automation
Bonsai Churches with lots of events 7-day free trial $25/month Invoicing, time tracking, and contractor management
Melio Churches with multiple vendors Free plan Per transaction pricing Invoicing, payments, and collaboration tools
Xendoo Churches with limited accounting expertise No $395/month Bookkeeping service, catchups, and tax support
APLOS Combined finance and parish management 15-day free trial $79/month Fund tracking, donation management, and church management


How We Review and Test Accounting Products

To provide our readers with accurate and well-informed recommendations, we test the most popular accounting products on the market to find the best options for you. Our methodology consists of the following criteria:

  • Features: We examine the features of each accounting software to determine what capabilities are offered- such as creating, editing, and deleting transactions.
  • Compliance: We evaluate accounting software based on whether it offers local compliance when it comes to payroll, taxes, documentation, and more.
  • Bank Reconciliation: We test the reconciliation process to ensure transactions match bank statements accurately.
  • Multi-Currency Support: We verify the accuracy of currency conversions and transactions in multi-currency environments.
  • User Experience: We get hands-on with each product and act as a new user, testing each platform to gain understanding if the platform is easy to use or not.
  • Reporting and Documentation: We verify the accuracy of financial reports generated by the software such as balance sheets and income statements.
  • Integrations: We evaluate the integrations of each piece of software to determine how well it fits in with other key pieces in a business’s software stack, and whether its functionality can be expanded as required.
  • Audit Trails: We ensure the software maintains comprehensive audit trails for tracking changes made to financial data.

What is Church Accounting Software?

Church accounting software is a type of finance app designed help streamline financial processes and managing church finances for religious and non-profit organizations. You can use these platforms to perform tasks like accepting donations, financial reporting, fund allocating, and managing tax compliance. The software also helps you maintain compliance with the specific US tax regulations for nonprofits and understand the church’s financial health.

Benefits of Using Church Accounting Software Programs

Accounting solutions can help your church thrive financially while helping you to fulfill your mission. Here are the main benefits you can expect from introducing this software:

  • Accuracy: Automated features eliminate the risk of human error in your financial data entry and calculations. You can keep accurate records of your donations, expenses, and payroll to make more informed decisions.
  • Improved efficiency: Accounting software can streamline many financial processes within a church. Automation of tasks like tracking contributions or managing payroll saves you time. You can then allocate more time to running your organization or engaging in meaningful activities.
  • Enhanced compliance: Accounting solutions can help you comply with tax laws for non-profits in the US. They can also keep you updated with regulatory changes and provide templates that adhere to state and federal guidelines.
  • Extra oversight: Accounting software has reporting features and analytics that give you deeper insights into your financial activities. You can see where you could allocate more of your funding or spot late payments.
  • Accessibility: Most accounting platforms are cloud-based nowadays. That means church staff who travel or work from different locations can log in from anywhere to do bookkeeping tasks.

How Much Do Church Accounting Software Programs Cost?

Most church accounting software ranges from around $20 to $150 monthly depending on the features you need. If they include a bookkeeping service, the cost will be higher, usually around $150 to $500. This price may seem high but remember you’re paying for a specialist’s time rather than access to software.

Some solutions offer free church accounting software with basic invoicing, expense management, and reporting tools. These are usually best for individuals or businesses that are just getting started. If you’re an established church, you probably need the support of a paid plan. However, you can use the free plans to try out platforms or learn how they work.

How to Choose The Best Software for Church Accounting

Here are the top considerations when looking for church financial management systems to help you narrow down your search.

PricingEase of UseCompatibilityKey FeaturesScalabilityCustomer support

Consider the value for money. Your chosen software should offer all the essential features for churches like donation management and fund allocation at an affordable cost.

The software should be intuitive given that many church staff and volunteers won’t have specialist bookkeeping skills. Check the platform doesn’t require a lot of steps or in-depth understanding.

The software should integrate seamlessly with your church’s other software such as payroll and messaging systems. Otherwise, you’ll have to copy across data, leading to a higher possibility of errors.

Check that you can access all the tools you need for a competitive price. Some accounting platforms only put specialist features in their higher-cost plans. Also, make sure you don’t have to pay for lots of unnecessary tools that churches don’t typically use.

Depending on your plans for your organization, you may need software that can grow with you. Look for solutions that offer tools you may need in the future. Prioritize ones with a fixed monthly cost so your expenses don’t leap as you take on more staff.

The ideal solution should be able to help you set up and overcome any issues. Look for solutions with a range of contact options and wide availability.


What is the best accounting software for a small church?

What’s the best free church accounting software online?

What type of accounting do churches use?

Can I use QuickBooks for my church?

Who should have full access to church accounting software?

Rhiannon Stone
Technology Writer
Rhiannon Stone
Technology Writer

Rhiannon Stone is an experienced web content creator with over four years in the industry and graduated with an MA in English. Before she began working with Techopedia, she traveled the world teaching Business English where her students worked in sectors such as banking, manufacturing, and telecommunications. After teaching Rhiannon joined a publishing house where she started her writing career. Now, Rhiannon is based in Greece and specializes in writing in-depth reviews and thought-out comparison content within SaaS, HR, and accounting to help Techopedia readers make fully-informed choices.