Church Expense Management With Approvals
From vendor invoices to ministry card spend, route spending through approval, post to the right fund, and see AP aging without maintaining a second system.
Challenges we hear from churches like yours
Grain Ledger is built to replace spreadsheet risk with fund accounting that scales.
Receipts stuck in email
Centralize bills and card transactions with workflows that attach context before payment, not months after.
Surprise card charges
Import Ramp or Bill.com activity and map spend to your chart of accounts and funds before reconciliation becomes a puzzle.
Stop scrambling for W-9s in January
Track vendors, TINs, and payment history through the year so 1099 season is a report, not a research project.
How Grain helps
Explore product areas that map to what you need, then book a demo for a tailored walkthrough.
Common questions
- Does Grain do bill approval workflows?
- Yes. Bills can be submitted, reviewed, and approved before payment so policies are enforced and accruals hit the correct period.
- Do you integrate with Ramp or Bill.com?
- Yes. Grain integrates with Ramp and Bill.com Divvy so card spend can flow into your accounting with categorization and matching.
- Can expenses be allocated across funds?
- Yes. Split and allocate lines across funds and dimensions so shared costs reflect your ministry structure.
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
Every bill approved. Every dollar in the right fund.
See how Grain Ledger handles vendor bills, card imports, approval workflows, and 1099 tracking in one system.