Church Budgeting Built for Ministries
Roll up budgets by fund and department, track variance all year, and keep committees informed so they see reality, not just the spreadsheet from last spring.
Challenges we hear from churches like yours
Grain Ledger is built to replace spreadsheet risk with fund accounting that scales.
Annual budget season chaos
Centralize proposals, lock approved budgets into the same system where actuals post, and stop emailing spreadsheets back and forth.
Ministries cannot see their own numbers
Give leaders visibility into their budget lines without emailing exports every month.
Surprises in November
Budget vs. actual updates as transactions post. Leadership corrects course during the year, not after it is too late.
How Grain helps
Explore product areas that map to what you need, then book a demo for a tailored walkthrough.
Common questions
- Does Grain include budget templates?
- Grain provides budgeting workflows by fund and dimension. You can structure templates around your ministries and fiscal calendar rather than a one-size generic spreadsheet.
- Can multiple people propose budget lines?
- Yes. Teams can collaborate on building budgets, and you can use approvals when your policies require sign-off before amounts go live.
- How does budget vs. actual work?
- Actuals from the general ledger roll up against approved budgets so you see variance by account, fund, and ministry over time.
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
Budget season does not have to be chaos
See how Grain Ledger helps churches plan, approve, and track budgets by ministry and fund.