Tool profile
ChurchTrac: cost, fit and limits
ChurchTrac is a church management and fund accounting program sold as a monthly subscription, covering people records, check-in, giving, worship planning, volunteers, groups and a church website and app, priced by the number of names tracked.
What to know first
ChurchTrac sells one All-In-One bundle and changes only the price as the congregation grows: $29 for 75 names, $39 for 125, $59 for 250, $79 for 500, $99 for 1,000 and $119 for unlimited. Yearly billing is 10% cheaper. Fund accounting, giving and check-in are in every tier. The pages we read name no AI, and the security policy page could not be read.
ChurchTrac at a glance
| Maker | ChurchTrac (legal name not stated on the vendor pages), Not stated on the vendor pages |
|---|---|
| Free plan | Free trial only |
| Entry price | $29 per month (75 names) |
| API access | No |
| Category | Best AI Church Management Software in 2026, rank 5 of 12 |
| Website | churchtrac.com/ |
Who ChurchTrac is best for
Small congregations that need bookkeeping
Fund accounting with bank syncing sits in the entry tier, so a volunteer treasurer can run books and member records in one tool instead of buying accounting software separately.
Churches that expect to grow in steps
Because features are identical in every tier, moving from 125 to 500 names changes only the price, not the workflow or the interface the staff already learned.
Congregations that plan worship in SongSelect
Worship planning lists an import from SongSelect, so a music director can pull licensed songs into service plans without retyping lyrics.
ChurchTrac plans and pricing
| Plan | Price | What it includes |
|---|---|---|
| 75 names | $29 per month | The All-In-One bundle: people, fund accounting, giving, website and app, check-in, worship, groups and events, volunteers, basic messaging, registrations, automations and human support. |
| 125 names | $39 per month | The same features as the 75-name tier for a database of up to 125 names. |
| 250 names | $59 per month | The same features as every other tier, for a database of up to 250 names. |
| 500 names | $79 per month | The same features as the entry tier, for a congregation that tracks up to 500 names in its database. |
| 1,000 names | $99 per month | The same features as every smaller tier, for up to 1,000 names; the unlimited tier is $119 per month. |
Checked November 2026.
What ChurchTrac does
- Fund accounting
- Accounting is built in with bank syncing, so contributions recorded in giving flow into fund-based books without a second data entry step, and statements can be produced for each fund.
- Check-in and attendance
- The people database links to attendance and child check-in, which lets a children's ministry track who is present and who picked up each child, using the same records as the main member database.
- Giving channels
- Online giving and text giving are included, and online giving runs through Stripe's nonprofit rate, which the church pays to the processor, so the monthly subscription is not the whole cost of giving.
- Church Connect website and app
- A website, mobile app and member portal come under the Church Connect name; building the site starts at $477 as a one-time service, so a church should add that to first-year cost.
- Enhanced Messaging
- Two-way texting, group messaging and voice messages are an add-on at $7 per month with 250 credits, and extra credits come in blocks of 250 for $7.
How ChurchTrac handles your data
The pricing page describes two-factor authentication and encrypted connections, and links to a security policy page whose content was not available when we read it. The vendor pages we read do not say whether customer data trains AI models, how long records are kept, where servers sit or whether a certification such as SOC 2 applies. A church that holds child or giving records should request these answers in writing.
Where ChurchTrac falls short in practice
- Price tracks the name count. The bill rises from $29 at 75 names to $119 at unlimited names, so a church with many occasional visitors in the database should clean it before choosing a tier.
- Services cost extra. Website and app build starts at $477, accounting setup at $399, and Enhanced Messaging adds $7 per month, so first-year cost is above the subscription price.
- No AI and no printed data terms. The pages name no AI capability, and the security policy was unreadable, so a buyer who wants AI reporting or a stated retention period gets neither from these pages.
Works with
Alternatives to ChurchTrac
ChurchTrac: common questions
How much does ChurchTrac cost for 500 members?
The 500-name tier is $79 per month, and yearly billing saves 10%. The 1,000-name tier is $99 and unlimited names is $119. Every tier has the same features, so the price depends on how many names are in the database, not on which modules you use.
Does ChurchTrac include accounting?
Yes. Fund accounting is part of the All-In-One bundle, with bank syncing. A one-time accounting setup service starts at $399 if the church wants help getting its books started. The monthly price covers the software itself in every tier, with setup help sold apart.
Does ChurchTrac have a free trial?
The vendor's pricing shows a trial option, though the pages we read do not state its length or limits. Ask before you start, and import a small slice of real data to test check-in, giving and fund accounting during the trial period.
What does ChurchTrac charge for texting?
Basic messaging is in the bundle, and Enhanced Messaging is an add-on at $7 per month with 250 credits each month, covering two-way texting, group messaging and voice messages. Extra credits are billed in blocks of 250 for $7. Online giving uses Stripe's nonprofit rate.
Does ChurchTrac use AI?
No AI capability is named on the vendor pages we read. The product is a records, accounting and giving tool with automations. A church that wants AI reporting or drafting should compare vendors that name those features, and ask ChurchTrac for its roadmap in writing.