MosesTab
Updated May 20265 platforms comparedReviewed by MosesTab Editorial

Best Church Accounting Software (2026)

Fund accounting platforms for churches and nonprofits ranked by depth, pricing, and integration.

Disclosure: we make MosesTab. It's included in this list, and we have an obvious interest in it. Details about other platforms come from each vendor's own public website; check them with the vendor before you decide.

Top picks at a glance
#1
Aplos
#2
ChurchTrac
#3
PowerChurch Plus
#4
Church Windows
#5
MosesTab
Quick Answer · TL;DR
  1. 1
    Aplos — Fund accounting software for nonprofits and churches
  2. 2
    ChurchTrac — ChMS with built-in single-entry fund accounting
  3. 3
    PowerChurch Plus — Membership, contributions and fund accounting in one package

Church accounting differs from regular small-business accounting in one key way: fund accounting. Churches typically segregate restricted funds (designated for specific purposes — building, missions, scholarships) from unrestricted funds. Generic accounting software like QuickBooks Online can be made to work for fund accounting with manual class/tag setups, while purpose-built nonprofit accounting platforms track restricted/unrestricted fund balances directly.

The choice most churches face: a dedicated fund-accounting platform built for treasurers, or a church management system that includes accounting or finance reporting alongside members and giving. The right choice depends on whether your treasurer prepares board-level financial statements with formal restricted/unrestricted fund balances or whether giving-and-expense tracking is sufficient.

This ranking covers both purpose-built nonprofit accounting and integrated ChMS accounting options.

How We Ranked These Platforms

Each platform was evaluated on fund accounting depth (restricted/unrestricted GL support), reporting (board-ready financial statements, IRS Form 990 prep), pricing, and ease of use for non-CPA treasurers. Pricing and features come from each vendor's own website, checked in September 2026.

Selection criteria
  • Fund accounting depth (restricted vs unrestricted at GL level)
  • Board-ready financial reporting
  • IRS Form 990 / nonprofit tax preparation features
  • Published pricing
  • Ease of use for non-CPA treasurers

The Top 5 Ranked

#1
Aplos logo

Aplos

Fund accounting software for nonprofits and churches

Best For
Fund accounting software for nonprofits and churches

Aplos describes itself as fund accounting software built for nonprofits and churches, with restricted and unrestricted balances, balance sheets and income statements by fund, and Form 990 mapping. Published plans are Lite at $79/month, Core at $129/month and Advanced at $229/month, with custom pricing above that; the AI-guided Data Visualizer is a $25/month add-on.

Pricing: $79/month to $229/month
Visit Aplos
#2
ChurchTrac logo

ChurchTrac

All-in-one church management software for small and mid-sized churches

Best For
ChMS with built-in single-entry fund accounting

ChurchTrac includes built-in, single-entry fund accounting in every plan, with balance sheets, income statements, fund statements, budgets and bank sync, alongside its church management tools. Plans run from $29/mo (75 names) to $119/mo (unlimited).

Pricing: 30-day free trial to $99/month
Visit ChurchTrac
#3
PowerChurch Plus logo

PowerChurch Plus

Church administration software, desktop and online

Best For
Membership, contributions and fund accounting in one package

PowerChurch Plus covers membership, contributions, fund accounting (including FASB 117 restricted-gift tracking), accounts payable and receivable, and payroll. A new-user licence is $445 one-time for Windows PCs, or PowerChurch Online hosts it from $47/month.

Pricing: $445.00 one-time to $499.00/year
Visit PowerChurch Plus
#4
Church Windows logo

Church Windows

Church management and accounting software, Desktop and Web

Best For
Membership, donations, accounting and payroll modules

Church Windows is made up of Membership, Donations, Accounting and Payroll modules, available as a desktop or web subscription. Pricing depends on the number of modules, the support tier, and desktop or web, starting at $19/month for one desktop module.

Pricing: $19/month to $149/month
Visit Church Windows
#5

MosesTab

All-in-one church management software

Best For
Best for churches that want giving + reporting in one platform

MosesTab handles giving, designated giving categories, and treasurer-facing finance reporting in one platform. MosesTab does not provide formal fund accounting at the general ledger level, so churches preparing board-level financial statements should pair it with a dedicated accounting tool.

Pricing: Free • $39 Growth • $99 Pro • $199 Enterprise

Try MosesTab Free

A free plan with unlimited members. Growth from $39/month, Pro from $99/month. No contract.

Frequently Asked Questions

Do I need fund accounting for my church?

If your treasurer prepares board-level financial statements with formal restricted vs unrestricted fund balances — or if you have audited financials — yes, you need fund accounting. If your reporting is more informal (we have a building fund, a missions fund, and general operating, but track them as designated giving categories), purpose-built fund accounting may be more depth than you need.

Can QuickBooks work for church accounting?

Yes, with caveats. QuickBooks Online can be set up with class tracking to approximate fund accounting, but it requires careful initial setup and discipline to maintain. Aplos describes itself as fund accounting software built specifically for nonprofits and churches. Many churches use QuickBooks for general bookkeeping and pair it with a ChMS for giving tracking.

How much does church accounting software cost?

Free options exist for very simple needs (Wave, basic spreadsheets). Aplos plans are $79/month (Lite), $129/month (Core) and $229/month (Advanced). ChurchTrac, which includes fund accounting, runs from $29/mo to $119/mo by number of names. PowerChurch Plus is a $445 one-time licence, or PowerChurch Online from $47/month. Church Windows pricing depends on modules, support tier, and desktop or web. MosesTab's paid plans are $39 (Growth), $99 (Pro) and $199/month (Enterprise).

What's IRS Form 990?

Form 990 is the annual information return that most tax-exempt 501(c)(3) organizations file with the IRS. Churches are generally exempt from filing Form 990, but many religious nonprofits and parachurch organizations do file. Aplos says its compliance tools and Form 990 mapping come already set up.

Aplos, ChurchTrac, PowerChurch Plus and Church Windows are trademarks of their respective owners, used here for identification purposes only. MosesTab is not affiliated with, endorsed by, or sponsored by Aplos, ChurchTrac, PowerChurch Plus and Church Windows, and they have not reviewed or approved this page. Product information is based on publicly available materials and may change; to report an error, contact [email protected].

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