Top 10 Best Small Church Accounting Software of 2026

Aplos is a cloud-based accounting software tailored specifically for small churches and nonprofits, offering fund accounting, donation tracking, budgeting, and financial reporting in one intuitive platform. It simplifies church finances by automating tasks like online giving integration, payroll, and expense management while ensuring compliance with nonprofit standards. Ideal for volunteer treasurers or small staff, it replaces spreadsheets with professional-grade tools accessible from anywhere.

Breeze (breeze.church) is a cloud-based church management software tailored for small churches, providing an integrated suite that includes member tracking, event management, online giving, and essential accounting tools. Its accounting features support fund accounting, expense tracking, budgeting, bank reconciliation, and customizable financial reports, all without requiring accounting expertise. Designed to streamline church finances in one intuitive platform, it eliminates the need for multiple tools.

ChurchTrac is an all-in-one cloud-based church management software with built-in accounting features tailored for small churches, including fund accounting, budgeting, expense tracking, and financial reporting. It integrates seamlessly with online giving platforms to track donations and automate receipting. Beyond accounting, it handles membership databases, event scheduling, attendance tracking, and communication tools, providing a comprehensive solution without needing multiple apps.

QuickBooks Online Nonprofit is a cloud-based accounting platform from Intuit, customized for nonprofits including small churches, offering robust fund accounting via class and location tracking to manage restricted and unrestricted funds like tithes and offerings. It provides donor tracking, customizable invoicing for pledges, expense management, and compliance-ready reporting. The solution integrates with payroll and other tools, making it suitable for growing religious organizations handling basic to intermediate financial needs.

PowerChurch Plus is a Windows-based, on-premises church management software designed specifically for small to mid-sized churches, offering integrated accounting features like fund accounting, accounts payable/receivable, payroll, and budgeting. It excels in tracking contributions with detailed donor histories, envelope systems, and customizable financial reports tailored to church needs. Beyond accounting, it includes membership databases, attendance tracking, and event management, providing an all-in-one solution without recurring subscriptions.

EC-Cash is a Windows-based accounting software specifically designed for small churches, focusing on fund accounting, donor contribution tracking, and basic financial reporting. It simplifies church finances with tools for budgeting, expense management, and generating compliant reports like Form 990. While straightforward for non-accountants, it lacks advanced integrations and cloud access, making it suitable for basic needs.

Church Windows is a Windows-based desktop software suite tailored for church accounting and administration. It provides specialized fund accounting, contribution tracking, payroll processing, budgeting, and reporting tools to manage church finances compliantly. The integrated modules also handle membership and attendance, making it a one-stop solution for small to mid-sized congregations.

Xero is a cloud-based accounting software primarily designed for small businesses, providing invoicing, bank reconciliation, expense tracking, payroll, and customizable reporting. For small churches, it handles general bookkeeping like tracking tithes via custom categories and integrating with donation platforms, but lacks native fund accounting or church-specific features. It excels in real-time financial visibility and scalability for growing ministries.

Realm is an all-in-one cloud-based church management platform from Ministry Brands that includes specialized accounting tools for small churches and nonprofits. It supports fund accounting, budgeting, accounts payable/receivable, payroll integration, and detailed financial reporting, all integrated with member database, attendance tracking, and online giving. This makes it suitable for streamlining both financial and administrative operations in a single system.

Shelby Systems offers church management software with specialized accounting features tailored for nonprofit religious organizations, including fund accounting, general ledger, accounts payable/receivable, payroll processing, and budgeting tools. It supports both traditional desktop installations and cloud-based options like ShelbyCloud, enabling integration with membership, contributions, and event management. While robust for financial tracking, its comprehensive nature can overwhelm very small congregations focused solely on basic bookkeeping.