Top 10 Best Simple Church Accounting Software of 2026

Aplos is a cloud-based accounting software specifically designed for nonprofits and churches, offering fund accounting, donor management, budgeting, and financial reporting tailored to simple church needs. It simplifies bookkeeping with automated bank reconciliation, online giving integration, and compliance-ready reports for restricted funds. Users appreciate its intuitive dashboard that eliminates the need for complex accounting expertise, making it ideal for church treasurers and administrators.

PowerChurch Plus is a Windows-based desktop software suite tailored for churches, offering dedicated accounting modules for fund tracking, contributions, payroll, accounts payable/receivable, and budgeting. It supports nonprofit-specific needs like multi-fund accounting and detailed financial reporting compliant with church standards. While comprehensive, it's positioned for simpler deployments without cloud complexity, making it suitable for basic to moderate church financial management.

CDM+ is a comprehensive, on-premise church management software with robust accounting modules designed specifically for religious organizations. It excels in fund accounting, handling contributions, general ledger, accounts payable/receivable, payroll, and budgeting tailored to church financial needs. The software integrates accounting with membership, attendance, and event management for streamlined operations.

Church Windows is a desktop-based accounting software designed specifically for churches, providing fund accounting, contribution tracking, accounts payable/receivable, payroll processing, and detailed financial reporting. It supports multi-fund management essential for nonprofit church finances and integrates with companion modules for membership and attendance. While robust, its Windows-only installation and traditional interface cater to users comfortable with on-premise solutions rather than modern cloud platforms.

Breeze ChMS is a cloud-based church management software with integrated accounting tools tailored for small to mid-sized churches seeking simplicity. It tracks donations, expenses, funds, and generates essential financial reports like profit/loss statements and balance sheets. While effective for basic church finances, it prioritizes ease over advanced accounting depth, integrating seamlessly with member giving and event management.

ChurchTrac is a cloud-based church management software with built-in accounting tools tailored for small to mid-sized churches, offering fund accounting, budgeting, expense tracking, and financial reports. It integrates seamlessly with member databases, attendance tracking, event management, and online giving to streamline church operations. Ideal for simple accounting needs, it handles designated funds, contributions, and basic payroll without requiring advanced accounting expertise.

QuickBooks Online is a versatile cloud-based accounting software from Intuit, widely used for general small business bookkeeping but adaptable for simple church accounting through features like class tracking for funds. It supports expense tracking, invoicing, payroll, bank reconciliations, and customizable reporting, making it suitable for churches handling tithes, offerings, and basic budgets. While not church-specific, it integrates with add-ons for enhanced nonprofit functionality, providing scalability for growing congregations.

Xero is a cloud-based accounting software primarily designed for small businesses, providing tools for invoicing, bank reconciliation, expense tracking, payroll, and financial reporting. For simple church accounting, it handles basic bookkeeping tasks like tracking offerings and expenses through customizable tracking categories, but lacks native support for church-specific needs such as fund accounting or donor management. Its intuitive dashboard and mobile app make it accessible for non-accountants in small congregations.

Wave is a free, cloud-based accounting platform designed primarily for small businesses, offering invoicing, expense tracking, basic financial reporting, and payroll add-ons. For simple church accounting, it can handle basic income from donations via invoices, expense categorization, and bank reconciliation without church-specific fund accounting or donor management. While versatile for very small operations, it lacks tailored features like pledge tracking or multi-fund reporting common in dedicated church software.

FreshBooks is a user-friendly cloud-based accounting platform designed primarily for small businesses and freelancers, focusing on invoicing, expense tracking, time tracking, and basic financial reports like profit and loss statements. For simple church accounting, it can manage general expenses, reimbursements via invoices, and bank reconciliations but lacks specialized non-profit tools such as fund accounting, donor management, or pledge tracking. It's adaptable for very basic church bookkeeping through projects and categories as proxies for ministries or funds.