Annual Budgets That Stay Relevant All Year
Build your annual budget by ministry and fund, get it approved, then track it against real spending every month. Grain Ledger keeps your annual plan connected to your actual books.
Challenges we hear from churches like yours
Grain Ledger is built to replace spreadsheet risk with fund accounting that scales.
The budget is approved and then forgotten
When actuals update against budget automatically, your annual plan stays relevant instead of gathering dust in a drawer.
Ministry input is scattered
Centralize budget proposals from department heads in one system instead of collecting requests via email and spreadsheet.
Year-end post-mortems are too late
Quarterly and monthly variance reports let leadership adjust during the year, not just analyze what went wrong in December.
How Grain helps
Explore product areas that map to what you need, then book a demo for a tailored walkthrough.
Common questions
- How do we build an annual budget in Grain?
- Create budget lines by account, fund, and department. Enter amounts for the fiscal year and track actuals against plan as transactions post.
- Can we compare this year's budget to last year?
- Yes. Compare budget amounts and actuals across periods to see trends and inform next year's planning.
- Does Grain support fiscal years that do not start in January?
- Yes. Configure your fiscal year to match your church's calendar and budget accordingly.
Free Church Accounting
Free to Start. Scales as You Grow.
No credit card required. Most features free for churches under $20k in monthly spend.
Starter
For churches under $20k in monthly spend
Accounting
- 1 Bank Connection
- Unlimited Funds
- Accrual & Cash Basis
- 3 Users
- Standard Roles
- One-Click QuickBooks Migration
Giving Intelligence
- Donor Insights
- Donor Development
- DAF Analytics
- Giving Statements
- ChMS Integrations
Spend Management
- ≤ $20k Monthly Expenses
- AI Invoice Scanning
Budgets
- 1 Active Budget
Reporting
- Standard GAAP Reports
- Custom Dashboards
- Dimension Tags Reporting
Support
Growth
Popular
For growing congregations
Accounting
- 3 Bank Connections
- Unlimited Funds
- Accrual & Cash Basis
- 3 Users
- Standard Roles
- One-Click QuickBooks Migration
Giving Intelligence
- Donor Insights
- Donor Development
- DAF Analytics
- Giving Statements
- ChMS Integrations
Spend Management
- Unlimited Monthly Expenses
- AI Invoice Scanning
- Email Invoice Automation
Budgets
- Unlimited Active Budgets
Reporting
- Standard GAAP Reports
- Custom Dashboards
- Dimension Tags Reporting
Support
- Priority Email
Enterprise
For larger churches with complex needs
Accounting
- Accrual & Cash Basis
- Unlimited Bank Connections
- Unlimited Funds
- Unlimited Users
- Custom Roles
- One-Click QuickBooks Migration
Giving Intelligence
- Donor Insights
- Donor Development
- DAF Analytics
- Giving Statements
- ChMS Integrations
Spend Management
- Unlimited Monthly Expenses
- AI Invoice Scanning
- Email Invoice Automation
Budgets
- Unlimited Active Budgets
- Multi-Scenario Planning
Reporting
- Custom Reports
- Custom Dashboards
- Dimension Tags Reporting
Support
- Phone
Church Payroll
A standalone product, built into Grain
Pay your church staff, file payroll taxes, and keep every paycheck tied to the right fund. Priced and packaged on its own — no plan upgrade required.
Run church payroll without the bookkeeping cleanup
Modern payroll, time tracking, and tax filings — with every pay run posting straight to the right fund. No exporting, no re-keying, no month-end mess.
No plan upgrade required - works with Starter, Growth, or Enterprise
Simple, transparent pricing
Everything included
An annual budget that does not go stale by March
See how Grain Ledger keeps your annual budget connected to real actuals all year long.