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Head-to-head · Church Accounting Software

Liberty Accounts vs Grain Ledger

  • Updated Oct 2026
  • Both researched from official sources
  • 6 checks side by side
Higher score Liberty Accounts #3 in Church Accounting Software 8.4/10 30-day trial Free trial✓ 5 of 6 features Visit Liberty
Grain Ledger #6 in Church Accounting Software 7.8/10 Free plan Free plan✓ 1 of 6 features Visit Grain Ledger

Liberty Accounts leads on 0 checks, Grain Ledger on 1, and 5 are even. Who comes out ahead on the 6 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreLiberty Accounts · 8.4/10
  • Free planonly Grain Ledger
  • Free trialonly Liberty Accounts
  • Most featuresLiberty Accounts · 5 of 6

Liberty Accounts scores higher on our rubric for church accounting software: 8.4 against 7.8 out of 10; our editors rank them #3 and #6.

Grain Ledger offers free plan; Liberty Accounts doesn't.

Liberty Accounts is the better fit for churches of England needing HMRC reporting. Grain Ledger is the better fit for churches wanting broad accounting at low cost.

  • Liberty Accounts fits best

    Churches of England needing HMRC reporting

  • Grain Ledger fits best

    Churches wanting broad accounting at low cost

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Side by side

Feature Liberty Accounts 8.4/10 Visit ↗ Grain Ledger 7.8/10 Visit ↗
At a glance
Editor score 8.4 7.8
Ranking #3 in Church Accounting Software #6 in Church Accounting Software
Best for Churches of England needing HMRC reporting Churches wanting broad accounting at low cost
Pricing model Paid Free plan + paid
Starting price £14.95/mo $70/mo
Free plan — ✓ (best)
Free trial 30 days —
Deployment Cloud Cloud
Platforms Web Web
Integrations 3 integrations 8 integrations
Features Liberty Accounts 5/6 · Grain Ledger 1/6
Fund accounting ✓ ✓
Budget tracking ✓ (best) Not checked yet
Expense management ✓ (best) Not checked yet
Bank reconciliation ✓ (best) Not checked yet
Financial reporting ✓ (best) Not checked yet
Multi-entity support Not checked yet Not checked yet
Our review
Pros
  • Unlimited funds with SORP-compliant financial reporting
  • Gift Aid preparation and HMRC filing support
  • Church of England Return of Parish Finance reporting
  • Double-entry fund accounting supports restricted and unrestricted funds
  • Free Starter plan includes unlimited funds and GAAP reports
  • Giving, payroll, budgeting, reconciliation, and eight listed integrations
Cons
  • No free plan; pricing excludes VAT
  • Displayed £14.95 price can rise with usage and organisation needs
  • Web-only access may not suit desktop-software preferences
  • Starter is limited to one bank connection, three users, and one active budget
  • Growth costs $70 per month before larger-scale requirements
  • Advanced roles and custom reports are reserved for Scale
Our verdict

Liberty Accounts is cloud-based accounting and payroll software for UK churches, charities, small businesses and other not-for-profit organisations. Its church-focused tools cover fund accounting with unlimited funds, fund balances,…

Read the review →

Grain Ledger is cloud-based accounting software for churches and church finance teams. Its scope covers double-entry fund accounting, restricted and unrestricted funds, bank reconciliation, budgeting, accounts payable, donor and giving…

Read the review →
  1. Liberty AccountsChurch Accounting Software 8.430-day trial
  2. Grain LedgerChurch Accounting Software 7.8Free plan

Strengths and trade-offs

  • Liberty Accounts — where it wins

    • Unlimited funds with SORP-compliant financial reporting
    • Gift Aid preparation and HMRC filing support
    • Church of England Return of Parish Finance reporting

    Where it doesn't

    • No free plan; pricing excludes VAT
    • Displayed £14.95 price can rise with usage and organisation needs
    • Web-only access may not suit desktop-software preferences

  • Grain Ledger — where it wins

    • Double-entry fund accounting supports restricted and unrestricted funds
    • Free Starter plan includes unlimited funds and GAAP reports
    • Giving, payroll, budgeting, reconciliation, and eight listed integrations

    Where it doesn't

    • Starter is limited to one bank connection, three users, and one active budget
    • Growth costs $70 per month before larger-scale requirements
    • Advanced roles and custom reports are reserved for Scale

More comparisons

All church accounting software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update