Fund Accounting

Fund Accounting That Just Works

Double-entry fund accounting designed for nonprofit compliance. Track restricted gifts, sync your bank, and maintain complete audit trails.

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Fund Accounting screenshot

Three steps, always in balance

How fund accounting works

Record transactions, assign funds, and reconcile to your bank. Every step keeps your books audit-ready.

Step 1

Record

Debits and credits that always balance

Enter transactions the way accountants expect: every journal entry has matching debits and credits. The system refuses unbalanced entries, so your books stay correct from the first keystroke.

1010 Operating Checking$6,620 Dr
4110 General Offering$5,420 Cr
4120 Designated Gifts$1,200 Cr
Balanced
Step 2

Classify

Accounts, funds, and net asset classes

Assign every line to an account from your chart of accounts and a fund (General, Missions, Building, etc.). Restricted vs unrestricted net assets are tracked automatically for FASB 117 compliance.

GeneralMissionsBuilding
Step 3

Reconcile

Bank sync and a complete audit trail

Connect your bank via Plaid to import transactions automatically. Match imported activity to journal entries, categorize uncategorized items, and maintain a full audit trail for every dollar.

Matched to JE-0042

Built for Nonprofits

Every Dollar, Every Fund

Track designated gifts, manage multiple funds, and maintain the audit trail your board and auditors expect.

Fund-Based Double-Entry Accounting
Track restricted and unrestricted funds with proper nonprofit net asset classification.
Chart of Accounts
Pre-configured nonprofit chart of accounts with full customization support.
Bank Sync via Plaid
Automatic transaction imports with intelligent categorization and reconciliation.
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New Journal Entry

AccountFundDebitCredit
1010Operating Checking
General
Sarah
$6,620.00
—
4110General Offering
General
—
$5,420.00
4120Designated Gifts
Missions
—
$1,200.00
Debits: $6,620.00|Credits: $6,620.00
Balanced

Net Asset Classification

See restricted and unrestricted fund balances at a glance.

Restricted

Missions, Building, Scholarships

Unrestricted

General operations

Net asset classes tracked automatically

Free to Start.
Scales as You Grow.

No credit card required. Most features are free for churches with up to $20k in monthly expenses.

Billing period

Starter

For churches with up to $20k in monthly expenses

Free

  • 1 Bank Connection
  • 3 Users
  • Unlimited Funds
  • Donor Insights
  • 1 Active Budget
  • Standard GAAP Reports
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Scale

Scale-based pricing for larger churches

$100/month

$0 – $1.5M
  • Unlimited Bank Connections
  • Unlimited Users
  • Custom Roles
  • Custom Reports
Schedule a Demo

GrainPayroll

Pay your church staff and file payroll taxes, with every pay run posted to the right fund.

  • Auto fund allocation
  • Mobile time clock & approvals
  • Direct deposit
  • Federal & state tax filings

$50/month base

+ $10 per employee / month

Works with every accounting plan. No upgrade required.

Explore Payroll

Ready to see Fund Accounting in action?

Start free, or watch a short demo to see how Grain Ledger can help your church.

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