Whether you're a small church with a tight budget or a large congregation juggling multiple ministries, finding the right accounting software is key.

In this guide, I’ll break down the best programs for churches of all sizes—helping you simplify your bookkeeping and focus more on ministry. Let’s dive in!

Understanding Church Size and Accounting Needs

Before diving into specific recommendations, it’s important to understand how the size of your church impacts your accounting needs. I'll break churches into three sizes:

• Small Churches: Less than 200 attendees
• Mid-Sized Churches: 200-500 attendees
• Large Churches: Over 500 attendees. Large churches face the most complex financial situations, requiring software that can manage those complexities

Understanding where your church falls within these categories is the first step in choosing the right accounting program. Whether you’re managing a small congregation or a large church with a diverse set of needs, the right software can make all the difference in maintaining financial health and supporting your ministry’s growth.

Best Accounting Program for Small Churches

For churches with fewer than 200 attendees, simplicity and affordability are crucial. It's essential to choose an easy-to-use and budget-friendly accounting program while still offering the necessary features to manage church finances effectively.

Recommendation: ChurchTrac

We’ve designed our software to be an all-in-one solution that meets the needs of smaller congregations. Our software covers everything from basic accounting to donation tracking and budgeting—all in an intuitive program that doesn’t require an accounting degree to navigate!

Pros of ChurchTrac Accounting for Small Churches

• Affordable: Tailored to fit the budgets of small churches, ChurchTrac provides all the essential tools without breaking the bank.
• User-Friendly: We’ve made sure that ChurchTrac is easy to use, even for those who aren’t financial experts. Our straightforward design means you can spend less time on bookkeeping and more time on ministry.
• Fund-Based Accounting: With integrated accounting, donation tracking, and budgeting tools, ChurchTrac covers all the bases for small churches.

Cons

If you are a volunteer treasurer, it can be hard to learn a new accounting system and find the time to set everything up. But we offer a setup service to help! Reach out to the support team to learn more.

Best Accounting Programs for Mid-Sized Churches

Churches with 200 to 500 attendees face a different set of challenges.

As your church grows, so does the complexity of managing its finances. You need detailed financial reporting, comprehensive budgeting, and accounting automations to keep everything running smoothly. There are a couple of programs that can give you what you need.

Primary Recommendation: ChurchTrac

At this size, ChurchTrac is still the best option. It is the most affordable church accounting program, yet has all the tools you need to balance the books of your growing ministry.

Pros of ChurchTrac Accounting for Mid-Sized Churches

• Comprehensive Accounting: All the essential accounting features needed by mid-sized churches are included, like donation tracking, fund management, and budgeting
• Easy Budgeting: As. your church grows, so does the need to wisely manage your money. ChurchTrac's Budget tool makes it easy to put together a full church budget and track your position throughout the year
• Automations: Whether you want transactions automatically synced with the bank or need a report emailed to you at the beginning of every month, the program can do it for you
• Powerful Reporting: The reports give you a top-level overview and a granular perspective on your accounting

Cons

If your church grows to the point that you have both accounts payable and accounts receivable, you will need a dual-entry accounting system. Also, ChurchTrac does not do payroll.

Alternative Recommendation: Aplos

For mid-sized churches seeking a program specifically designed for nonprofits and churches, Aplos is another strong contender. Aplos offers fund accounting, robust reporting, and even payroll services, making it a comprehensive solution for churches with growing financial complexity.

Pros of Aplos for Church Accounting

• Church-Specific Features: Aplos offers features like fund accounting and donor management tailored to your church's needs
• Integrated Payroll Services: Unlike ChurchTrac, Aplos includes payroll services, reducing the need for third-party solutions
• Comprehensive Reporting: Aplos provides detailed financial reports that can help mid-sized churches manage their finances with greater precision

Cons of Aplos for Church Accounting

• Cost: I've spoken with many churches switching from Aplos to ChurchTrac who told me they did so because Aplos doubled their price after the first year. What starts as an affordable solution can become more expensive, ultimately offering less value compared to options like QuickBooks, particularly for larger churches.
• Learning Curve: Many users report that Aplos isn't user-friendly, especially for those who are new to church accounting software.

Best Accounting Program for Large Churches

As churches grow beyond 500 attendees, their financial management needs become significantly more complex. Large churches often handle multiple accounts, extensive payrolls, and diverse ministries, all of which require a robust and customizable accounting solution. In these cases, a more advanced, double-entry accounting program is necessary to manage the intricacies of a large congregation's finances effectively.

Recommendation: QuickBooks

QuickBooks stands out as the best option for large churches, offering the advanced features and scalability needed to manage the complex financial operations of a large congregation.

Its highly customizable platform, extensive reporting capabilities, and seamless integrations make QuickBooks the best accounting platform for large churches.

Pros of Quickbooks for Large Churches

• Highly Customizable: Whether you need to manage multiple accounts, track detailed expenses, or generate complex financial reports, QuickBooks can be configured to do it all.
• Advanced Reporting: QuickBooks can generate in-depth financial reports that provide valuable insights into the church’s financial health. This is essential for managing large budgets and making informed decisions.
• Wide Integration: QuickBooks integrates with a variety of other tools and services, making it easy to connect your accounting software with payroll services, donor management systems, and more.

Cons of Quickbooks

• Higher Cost: QuickBooks is more expensive than other options, especially when you start adding the necessary modules and features for a large church. However, the investment is often justified by the value it provides in managing complex financial operations.
• Not Church-Specific: While QuickBooks is highly capable, it is not specifically designed for churches, requiring some creative work on your part to make it fit your needs.

Bookkeeping for Small and Mid-Sized Churches

Finding the right accounting software is crucial for keeping your church’s finances in order.

For small and mid-sized churches, ChurchTrac offers an affordable, user-friendly solution that grows with you. For larger congregations, QuickBooks delivers the advanced features needed to handle more complex finances.

Whatever your church’s size, the right program will save you time, money, and stress—so you can focus on what matters most.

Matt Church Engagement