Fund Accounting That Just Works
Double-entry fund accounting designed for nonprofit compliance. Track restricted gifts, sync your bank, and maintain complete audit trails.
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.
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.
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.
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.
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.
New Journal Entry
| Account | Fund | Debit | Credit |
|---|---|---|---|
1010Operating Checking | General | Sarah | — |
4110General Offering | General | — | $5,420.00 |
4120Designated Gifts | Missions | — | $1,200.00 |
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 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
Ready to see Fund Accounting in action?
Schedule a demo to see how Grain Ledger can help your church.