Grain Ledger vs Liberty Accounts
Grain Ledger
grainledger.comLiberty Accounts
libertyaccounts.comSide by side
| Figure | Grain Ledger | Liberty Accounts |
|---|---|---|
| Price from | $50/mo | £14.95/mo |
| Free plan | Yes | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Android | Yes | — |
| API | Yes | — |
| Plans published | 4 | 2 |
| Spec score · Accounting software | 9.0 (#2) | 8.5 (#13) |
| Spec score · Fund Accounting Software | 8.9 (#8) | 8.5 (#13) |
| Spec score · Church Accounting Software | 8.9 (#7) | 8.5 (#9) |
| Banking | Bank sync via Plaid imports transactions for categorization and reconciliation. | Bank statement imports are provided to reduce manual bookkeeping and support reconciliation. |
| Company headquarters | An ECFA directory listing gives Grain Ledger's address as 217 6th Avenue North STE 43012, Nashville, Tennessee 37219. | LinkedIn lists headquarters at Farnborough, Hampshire, United Kingdom. |
| Documentation | The API documentation provides an introduction, quickstart, authentication guidance and endpoint reference, and was last modified September 15, 2026. | The help centre offers topic guides, page-specific screen help, searchable contents and support-ticket submission. |
| Free plan | Yes | No |
| Headquarters | Nashville, Tennessee, United States | Farnborough, Hampshire, United Kingdom |
| Integrations | Available integrations listed by Grain include Planning Center, Pushpay, OnlineGiving.org, Rock RMS, Subsplash, Ramp, Bill.com or Divvy and Plaid. | Documented integrations include HMRC Government Gateway, HMRC Making Tax Digital, Companies House and PayPal imports. |
| Payroll | Grain Payroll advertises fund allocation, mobile time clocks, approvals, direct deposit and federal and state filings. | Integrated payroll supports HMRC-recognised RTI submissions, auto-enrolment assessments and payroll cost analysis. |
| Praise: responsiveness | Reviewers repeatedly say the Grain team listens to feedback and turns suggestions into improvements quickly. | The Trustpilot reviewer praised the company for implementing a requested feature within weeks and reporting back to the customer. |
| Purpose | Grain Ledger is cloud-based church accounting software built around fund accounting. | Liberty Accounts is browser-based accounting and payroll software aimed at UK small businesses, charities and churches. |
| Rating on Capterra | 5.0 out of 5 from 2 reviews | 0.0 out of 5 from 0 reviews. |
| Security | The maker says data is encrypted at rest with AES-256 and in transit with TLS 1.2+, and that its cloud infrastructure is SOC 2 Type II compliant in a US region. | Security controls described by the maker include SSL traffic encryption, multilayer firewalls, role-based access, an immutable audit trail and optional two-factor authentication. |
| Support | Support covers books and reporting, setup and migration, and giving or integration troubleshooting through a web form or [email protected]. | Telephone and email support are offered Monday to Friday, 9am to 5pm UK time. |
Plans
Grain Ledger
- StarterFree
- Growth$70 a month
- Scale$100 a month
- Grain Payroll$50 a month
Liberty Accounts
- Welcome pricing£14.95 a month
- Welcome Pricing£14.95 a month
In their own words
Grain Ledger
Grain Ledger is cloud-based accounting software for churches, built around double-entry fund accounting. It tracks restricted and unrestricted funds and supports a customizable nonprofit chart of accounts. Plaid bank sync imports transactions for categorization and reconciliation; expense tools cover vendor bills, approvals, accounts-payable aging, corporate card activity, and 1099 vendor information. Reports include GAAP-compliant balance sheets, statements of activities, and cash flow statements, with drill-down to journal entries and transactions. Giving features import donations and include donor matching, giving analytics, and annual statements with IRS-compliant disclosures. Listed integrations include Planning Center, Ramp, Bill.com / Divvy, Pushpay, OnlineGiving.org, Rock RMS, and Subsplash; Tithely is marked coming soon. The free Starter plan allows up to $20k in monthly expenses, one bank connection, three users, and one active budget. Growth costs $70 a month. Optional Grain Payroll costs $50 a month base plus 10 USD per employee / month.
Liberty Accounts
Liberty Accounts has no write-up on Specifiction yet; its figures are above.