How much can your church actually spend?

A free cash and restricted funds tracker from Church Bookkeeper Academy.

Cash snapshot prepared

1Cash in the bank

Every church bank account, as of the same date.

Gifts given for a specific purpose. Enter the part still sitting in the bank.

Money the board has set aside, like an operating reserve. It is still unrestricted, so the board can change it.

Treat board designations as not available to spend

Cash in the bank that is already spoken for.

Bills not yet paidInvoices received but not paid

Credit card balanceWhat is owed on church cards

Payroll and payroll taxes duePaychecks and taxes not yet paid

Deposits for future eventsLike camp or retreat fees paid in advance

OtherAnything else already committed

Last year's total expenses minus depreciation, divided by 12.

Average per month

Use general giving only, not restricted gifts. Skip bills you listed above.

Giving in Expenses out

Fund	Balance	% of cash

No restricted funds entered.

Spendable cash at the end of each month.

Add expected giving and expenses in step 6 to see this.

I'll email you the link and the spreadsheet, so they're easy to find next month.

Short, plain-English lessons and templates for church bookkeepers.