Track Your Operating Budget in Real Time
Your operating budget is the heartbeat of your church's finances. Grain Ledger connects it to your general ledger so you see variance as it happens, not when someone builds a report.
Challenges we hear from churches like yours
Grain Ledger is built to replace spreadsheet risk with fund accounting that scales.
Cash flow surprises
See operating income and expenses against budget continuously so you spot shortfalls before they become crises.
Operating vs. restricted confusion
Fund accounting keeps operating dollars clearly separated from restricted gifts so your operating budget reflects actual available resources.
Board needs a simple answer
Are we on track? Grain answers that question with budget vs. actual summaries that drill into detail when needed.
How Grain helps
Explore product areas that map to what you need, then book a demo for a tailored walkthrough.
Common questions
- How does Grain separate operating and restricted budgets?
- Fund accounting keeps operating funds distinct from restricted funds. Budget by fund so operating revenue and expenses are tracked independently.
- Can we see cash flow against budget?
- Yes. Budget vs. actual reports show where spending is tracking against plan, with drill-down to the transactions driving any variance.
- Is the operating budget tied to the general ledger?
- Yes. Actuals come directly from the ledger so there is no manual reconciliation between your budget spreadsheet and your books.
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
Know where you stand before the board asks
See how Grain Ledger connects your operating budget to real-time actuals from the general ledger.