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cOS BooksFree. Opens December 1, 2026Free for any church. Opens December 1, 2026Email me

Free church accounting software.

Covenant OS Books keeps your church’s books by fund. Post the Planning Center deposit, print checks, reconcile the bank and hand the board its reports. Free forever, with every feature.

Free for any church. Opens December 1, 2026.

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Sample
cOS Books overview for Cedar Hill Baptist Church: $71,084.53 cash on hand, $55,680.00 giving in October, $21,486.31 of expenses in October, $1,240.00 of gifts in transit, giving by month from May to October, and open work with a $1,215.42 difference to explain in operating checking, check 1049 waiting for a second approval, a posted payroll register and a year-end export not started
Sample
cOS Books on a phone for Cedar Hill Baptist Church: $71,084.53 cash on hand, $55,680.00 giving in October, $21,486.31 of expenses in October and $1,240.00 of gifts in transit

The Planning Center deposit, posted by fund.

Church bookkeeping starts with the deposit. Connect Planning Center Giving and map its funds once. Upload the payout report, and the deposit posts as one balanced journal, split by fund. Import the same payout again and nothing posts twice.

Sample
Journal entry JE-1042, a Planning Center payout of 128 gifts: $4,155.53 to operating checking for the General fund, $1,250.00 for the Building Fund and $162.47 of giving processing fees, against $4,318.00 of unrestricted giving and $1,250.00 of building fund giving, posted by Ruth Whitfield, treasurer, with a button to reverse it

Church financial software that keeps restricted gifts apart.

Each fund keeps its restriction class, its net assets and its income and spending for the year. A restricted gift stays restricted until the church releases it.

Sample
Funds for Cedar Hill Baptist Church: General without donor restrictions at $38,104.22, the Building Fund, Youth Camp and Food Pantry with donor restrictions, and the perpetual Cemetery Fund, with the General fund open to show $198,848.08 of income and $181,803.98 of expenses this year

Write and print checks.

Type the payee and amount, and the check takes the next number. A check above your limit waits for a second approval, and a voided check keeps its number in the register.

Sample
The check register from check 1051 down, with payee, account, amount and status, check 1049 to Cedar Ridge Youth Camp waiting, and the Write a check form for check 1052

Reconcile the bank to zero.

Import the statement, tick the deposits in transit and the outstanding checks, and finish when the difference is zero.

Sample
Reconciling 1010 First National Operating through October 23: statement lines on the left, the October 22 plate offering in transit and check 1048 outstanding, both ticked, a $47,000.21 statement balance and a $48,215.63 adjusted bank balance that matches the books, and a difference of $0.00
Sample
Reconciling the bank on a phone: the October 22 plate offering of $1,350.00 in transit and check 1048 to Hartley Piano for $134.58 outstanding, both ticked, a $47,000.21 statement balance, adjusted bank and book balances of $48,215.63, a difference of $0.00, and recent activity with the $712.44 payroll tax deposit of October 17

Reports the board can read.

Print the trial balance, the statement of activities and the balance sheet by fund, budget to actual and the restricted fund schedule. Export the year end for your CPA, with every journal line behind it.

Sample
The end of the 2026 trial balance in debit and credit columns: expense accounts and the Totals row, with debits and credits agreeing at $330,324.52 on October 23, 2026
Fund accountingEvery journal line names its fund, and restricted gifts stay restricted.
Entries you can traceAn entry is reversed with a reason, never edited, and the original stays in the journal.
Your CPA’s year endExport the trial balance, the reports and every journal line behind them.

FlockBase, church management and accounting software, costs $24 a month for 2 users, $39 for 5 users and $59 for 10 users, with no free plan. cOS Books is free, with every feature.Sources: FlockBase pricing. Prices read November 4, 2026.

cOS Books opens December 1, 2026.

Free for any church. Your accounts, funds, journals, budgets, checks and reconciliations come with you to the cOS church plan.