Top 10 Best Small Church Bookkeeping Software of 2026

Aplos is a cloud-based accounting software tailored for churches and nonprofits, specializing in fund accounting to track restricted and unrestricted funds effortlessly. It provides tools for donation management, budgeting, expense tracking, and customized financial reporting to meet compliance needs. With integrations for online giving and payroll, it simplifies bookkeeping for small church staff without requiring accounting expertise.

PowerChurch Plus is a Windows-based desktop church management software with comprehensive bookkeeping tools tailored for small churches, including fund accounting, contributions tracking, accounts payable/receivable, payroll, and budgeting. It integrates financial management seamlessly with membership and attendance tracking, allowing churches to generate detailed reports like profit/loss statements, balance sheets, and donor statements. Designed for non-profits, it supports multi-fund tracking essential for handling designated offerings and restricted funds.

QuickBooks Online is a cloud-based accounting platform from Intuit that provides comprehensive bookkeeping tools adaptable for small churches through custom categories for tithes, offerings, and expenses. It supports bank reconciliation, invoicing, payroll, and customizable reporting to track church finances effectively. While not tailored specifically for nonprofits, it enables fund accounting via classes and locations, making it suitable for organized small congregations. Its scalability allows growth from basic to advanced needs.

Church Windows is a longstanding church management software suite with dedicated bookkeeping modules tailored for small churches, offering fund accounting, accounts payable/receivable, payroll processing, and contribution tracking. It integrates financials seamlessly with membership and attendance data for comprehensive church administration. Designed as on-premise software, it emphasizes reliability and customization for nonprofit religious organizations.

CDM+ is a longstanding church management software suite from CDMplus.com, offering specialized bookkeeping and accounting tools designed for religious organizations. It provides fund accounting, general ledger management, accounts payable/receivable, payroll processing, and detailed contribution tracking tailored to church finances. The platform integrates these features with membership and attendance modules for comprehensive church administration.

ChurchTrac is an all-in-one cloud-based church management software with built-in bookkeeping tools designed specifically for small churches. It handles essential financial tasks like tracking contributions and pledges, managing expenses and budgets, vendor payments, and generating reports such as profit & loss statements and balance sheets. The platform integrates seamlessly with membership, attendance, and online giving features, allowing administrators to oversee church finances without needing separate accounting software.

Breeze ChMS is a cloud-based church management software that offers simple bookkeeping tools tailored for small churches, including tracking of contributions, expenses, and basic financial reports. It seamlessly integrates online giving with automated donor statements and categorization, making it easy for non-accountants to manage church finances. While not a full accounting suite, it handles essential small church needs like income tracking and budgeting without complexity.

Xero is a cloud-based accounting software primarily designed for small businesses, offering features like automated bank reconciliation, invoicing, expense tracking, payroll, and real-time financial reporting. For small church bookkeeping, it handles general ledger entries, contribution tracking as income, and expense categorization effectively but lacks native support for church-specific needs such as fund accounting or donor management. Users can customize charts of accounts and integrate with third-party apps to adapt it for ministry budgets and tithes.

Wave is a free cloud-based accounting platform primarily designed for small businesses, offering invoicing, expense tracking, bank reconciliation, and basic financial reporting. For small churches, it handles straightforward bookkeeping tasks like recording donations as income and tracking general expenses effectively. However, it falls short on church-specific needs such as fund accounting for restricted donations or built-in donor management tools. Overall, it's a solid no-cost entry point for very basic church finances.

Planning Center is a cloud-based church management suite with a dedicated Giving module focused on tracking donations, tithes, and online contributions from church members. It provides tools for batch entry of checks, generating giving statements, and basic financial reports tied to donor profiles. While excellent for contribution management, it lacks comprehensive bookkeeping features like expense tracking, accounts payable/receivable, payroll, or full general ledger functionality, making it more of a supplemental tool than a standalone accounting solution.