How much can your church actually spend?

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

This free tracker doesn't save your numbers to an account. It keeps them only in this browser. On another device, or after you clear your browser, it starts fresh. Want to save your schedule and roll it forward every month? That's part of MySchedule inside CBA.

Cash snapshot prepared

1Cash in the bank

Every church bank account, as of the same date.

2Donor-restricted funds

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

3Board-designated reserves Optional

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

4Money already owed

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

5Monthly operating expenses

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

Average per month

6Next 3 months Optional

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

Giving in Expenses out

What this means

Restricted funds

Fund	Balance	% of cash

No restricted funds entered.

Next 3 months

Spendable cash at the end of each month.

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

Coming back next month? This free tracker doesn't save your numbers to an account, so it can't roll them forward for you. MySchedule inside CBA saves your schedule and rolls it forward every month.

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

Want to understand these numbers?

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

Start with Foundations