Example of a Church Budget and Budget Tips

The example of a church budget below will give you an idea where to start creating a budget for your own church.

Example of a Church Budget

Some people dread the concept of budgeting, but you should "think of preparing an annual budget as a way to require the church to consider the priorities of its congregation.

There is a limit to the donations expected to be received, and therefore also a limit to the services that can be offered. The budgeting process can assist wit the prioritization of your church's goals." excerpt from the Church Accounting How To Guide.

Example of a church budget...

When using the following example of a budget, keep a few key points in mind:

  • Some churches may use all these categories and some may use just a few of them.
  • Every church is different and unique. This example of a church budget is simply a guide to aid in setting up a budget.




Special Offerings


Cash Plate Offerings


Sunday School Offerings


Restricted Gifts


Interest & Dividend Income


Rental Income


Miscellaneous Activities







Housing Allowance

Educational Allowance






Pastor-Related Subtotal:





Property Maintenance








Bus Expense














Administration Subtotal:









Program/Ministries Subtotal:







Missions Subtotal:


Debt Retirement Fund

Building Fund

Contingency Reserve






The following Spreadsheet Package contains an accounting workbook that will not only track income and expenses, but has a top-level budget worksheet. The budget worksheet allows you to compare your actual year to date income and expenses to your budget at any point during the year...

Click on image above for more details.

The Spreadsheet Package includes a workbook for tracking contributions, an automatic accounting workbook for tracking up to 5 funds,10 income accounts and 40 expense accounts and several more accounting workbooks. It also includes a Word document with 3 customizable contribution statements.Click here for more information or purchase now for $19.95


No matter how carefully and thoughtfully you work through your budget process, situations can change. To help you anticipate what these changes will mean for your church, you may want to prepare a forecast.

Budgets are typically created annually and stay stable throughout the year. Forecasts are used as a "what if" tool and are useful when change is anticipated. A forecast is not meant to replace a budget, but to give the administration tools to understand and plan for the changes before they occur. (taken from Church Accounting: How To Guide)

See step by step instructions on creating and developing a forecast in the Church Accounting: How To Guide. The author details how to set up a spreadsheet you can use to create an effective forecast in Chapter 8 or how to take the accounting spreadsheets offered on this site and add three columns to the Budget to Actual worksheet to make a very effective forecasting tool.

If you want to DIY your payroll, I highly recommend you look at using Gusto! It is very user friendly and their support is awesome! Plus they know how to set up and maintain payrolls for churches and nonprofit organizations.

Note: I am a "partner" of Gusto, but as I have told you before ... I never recommend anything that we or our clients have not tried and love =)

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