Grain Ledger review
A church-focused accounting suite with a free plan and paid tiers from $70 monthly.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Grain Ledger is cloud-based accounting software for churches and church finance teams. Its core focus is double-entry fund accounting, including tracking restricted and unrestricted funds, alongside budgeting, payables, giving workflows, and GAAP-compliant reports. The free Starter plan makes it a potential starting point for small churches that need fund-based records and basic reporting without a monthly subscription. Churches outside that focus, or nonprofits needing grant tracking, should assess whether its documented church workflows fit their accounting needs.
The published plans show Starter at $0 per month, Growth at $70 per month, and Scale at $100 per month. Starter includes one bank connection, three users, unlimited funds, one active budget, and standard GAAP reports. Growth adds three bank connections, unlimited users, unlimited active budgets, and email invoice automation; it also covers up to $1 million in annualized revenue or expenses. Scale includes unlimited bank connections and users, custom roles, and custom reports, with pricing based on scale for larger churches. The monthly expense limit on Starter is a key boundary to weigh when deciding whether the free tier is sufficient.
Its ecosystem is oriented toward church operations: integrations include Planning Center, Pushpay, OnlineGiving.org, Rock RMS, and Subsplash, as well as Ramp, Bill.com / Divvy, and Plaid. Giving imports, donor matching, giving analytics, and tax-compliant statements support donation workflows; payroll can allocate costs by fund and includes direct deposit and tax filings. AI invoice scanning adds invoice intake support, while bank imports and reconciliation run via Plaid. Choose Grain Ledger if church fund accounting and these connected workflows are central; consider an alternative if your nonprofit needs a broader focus or grant tracking.
Grain Ledger pros and cons
- Where it wins
- Tracks restricted and unrestricted funds with double-entry accounting
- Starter includes unlimited funds and standard GAAP reports
- Connects with church giving, spend-management, and banking tools
- Where it doesn't
- Starter limits monthly expenses and bank connections
- Church-focused positioning may not suit broader nonprofit needs
- Scale pricing is based on size rather than a listed fixed price
Grain Ledger fact sheet, pricing and score →
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