CDM+ vs ChurchFinance

CDM+ is fund-accounting and management software for nonprofit and faith-based organizations. Its accounting includes a fund-accounting general ledger, unlimited accounts, budgeting, bank reconciliation, and customizable reporting. Organizations can track designated and undesignated funds, transfers, expenses, and multiple entities; ledger activity has an unchangeable audit trail. Other capabilities include clergy payroll, electronic 1099 filing, online invoice payments by card or ACH, and receipt submission through the mobile app. Data Hosting comes with every plan and provides continuous database access, secure off-site daily backups, and automatic server upgrades. Plans start at $25 per month for one program and one user. SaaS subscriptions are paid monthly through automatic ACH withdrawals; annual payment is unavailable. Starter and Grow plans limit Individual and Giving Unit records, while Complete includes every program and unlimited concurrent user licenses. The product offers desktop software, Apple, Google, and Amazon mobile apps, and an API. Support is available by phone and email during weekday business hours.

ChurchFinance is cloud-based financial management software for churches and religious organizations. It records income and expenses using categories, funds, recurring entries, bank rules, CSV imports, and an audit trail. Budgeting covers annual plans, ministry-scoped budgets, fund accounting, and budget-versus-actual tracking. Reports include income statements, fund summaries, cash-flow and reconciliation reports, giving statements, and board packets.

Online giving accepts cards, ACH bank transfers, and Apple Pay through Stripe, for one-time or recurring gifts, with no ChurchFinance platform fees. The free Starter plan covers one team member. Growth is $71 a month, billed annually at $853, and Ministry is $134 a month, billed annually at $1,609. The service says it uses HTTPS/TLS, encrypts sensitive credentials at rest, hashes passwords, and takes daily backups; it has not pursued SOC 2 or HIPAA certification. Users can export donor, transaction, and fund data as JSON or CSV. An auditor portal provides scoped, read-only, time-bound access.