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Grain Ledger
Grain Ledger · Nashville, Tennessee, United States
What it is
Grain Ledger is cloud-based church accounting software built around double-entry fund accounting. It tracks restricted and unrestricted funds and supports a customizable nonprofit chart of accounts. Plaid bank sync imports transactions for categorization and reconciliation, while expense tools cover vendor bills, approvals, accounts-payable aging, corporate card activity, and 1099 vendor information. Reports include GAAP-compliant balance sheets, statements of activities, and cash flow statements, with drill-down to journal entries and transactions. Giving tools import donations and support donor matching, giving analytics, and annual giving statements with IRS-compliant disclosures. Listed integrations include Planning Center, Ramp, Bill.com / Divvy, Pushpay, OnlineGiving.org, Rock RMS, and Subsplash; Tithely is marked coming soon. The free Starter plan is for churches with up to $20k in monthly expenses and includes one bank connection, three users, and one active budget. Growth costs $70 a month. Scale costs $100 a month. Optional Grain Payroll costs $50 a month base plus $10 per employee / month.
For and against
For
- Tracks restricted and unrestricted funds.
- Imports bank transactions through Plaid.
- Provides GAAP-compliant financial reports.
- Includes donor matching and giving analytics.
- Starter is free.
Against
- Starter allows one bank connection and three users.
- Starter includes only one active budget.
- Tithely integration is marked coming soon.
The verdict
Grain Ledger combines church fund accounting with banking, expense, reporting, and giving tools. Compare Starter's user, connection, and budget limits with the Growth and Scale plans as needs expand.
Who it suits
Grain Ledger suits churches that need fund accounting, donation tracking, and financial reporting. Starter targets churches with up to $20k in monthly expenses.
Plans and prices
Starter
Up to $20k monthly expenses · 1 bank connection · 3 users · unlimited funds
Read 15 Oct 2026 · grainledger.com
Growth
Up to $1M annualized revenue or expenses · 3 bank connections · unlimited users · email invoice automation
Read 15 Oct 2026 · grainledger.com
Scale
Larger churches · unlimited bank connections · unlimited users · custom roles
Read 15 Oct 2026 · grainledger.com
Grain Payroll
Auto fund allocation · mobile time clock and approvals · direct deposit · federal and state tax filings
Read 15 Oct 2026 · grainledger.com
On the record
- Accounting
- It offers double-entry fund accounting for restricted and unrestricted funds, with customizable nonprofit chart of accounts.grainledger.com · read 30 Sep 2026
- API authentication
- API access supports organization keys and OAuth 2.1 with PKCE; OAuth requests require an organization ID.docs.grainledger.com · read 15 Oct 2026
- API availability
- MCP access is included on Growth and Scale, while organization API keys and unmanaged OAuth require Scale; managed OAuth apps may call the API on Starter and Growth.docs.grainledger.com · read 15 Oct 2026
- API limits
- The documented standard limit is 100 requests per minute per organization, with bursts potentially returning HTTP 429.docs.grainledger.com · read 15 Oct 2026
- API scope
- The public API can read and write transactions, bills, donors, contributions, pledges and households.docs.grainledger.com · read 15 Oct 2026
- Audit trail
- Yesgrainledger.com · read 19 Sep 2026
- Banking
- Bank sync via Plaid imports transactions for categorization and reconciliation.grainledger.com · read 30 Sep 2026
- Bank sync
- Plaid imports bank transactions for categorization and reconciliation.grainledger.com · read 15 Oct 2026
- Bills and expenses
- The product manages vendor bills, approvals, corporate-card transactions and expense accruals.grainledger.com · read 15 Oct 2026
- Breach notice
- The security page commits to notifying affected customers within 72 hours after verifying a qualifying breach.grainledger.com · read 15 Oct 2026
- Budgets
- Budgets can be organized by ministry and compared with actual results; Scale adds multi-scenario planning.grainledger.com · read 15 Oct 2026
- Chart of accounts
- A nonprofit chart of accounts is preconfigured and can be customized.grainledger.com · read 15 Oct 2026
- Coming-soon integration
- Tithely is marked as coming soon rather than available.grainledger.com · read 15 Oct 2026
- Company headquarters
- An ECFA directory listing gives Grain Ledger's address as 217 6th Avenue North STE 43012, Nashville, Tennessee 37219.ecfa.org · read 15 Oct 2026
- Company legal name
- The legal and service-provider name stated in the terms is Grain Ledger Company.grainledger.com · read 15 Oct 2026
- Data retention
- Customer data is hosted in US SOC 2 Type II compliant infrastructure; personal identifiers are targeted for deletion 30 days after termination and financial audit trails may be retained up to seven years.grainledger.com · read 15 Oct 2026
- Documentation
- The API documentation provides an introduction, quickstart, authentication guidance and endpoint reference, and was last modified September 15, 2026.docs.grainledger.com · read 15 Oct 2026
- Expenses
- The product tracks vendor bills, approvals, AP aging, corporate card activity, and 1099 vendor information.grainledger.com · read 30 Sep 2026
