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A free tool for church leaders

How much of your church’s cash is already spoken for?

Bring a clearer starting point to your next budget meeting. Separate the cash you’re reviewing from the funds, reserves and commitments already assigned a purpose.

  • Four totals from your current records
  • A printable worksheet with questions for your team
  • No account or email required

Made by Luke Twelve, the financial planning tool for churches.

Don’t have the totals? Talk it through with us
Church Cash Clarity CheckFREE

Start with what you know.

Use totals from the same date. Enter 0 when a category does not apply. Keep each dollar in only one allocation category.

For the next budget conversation

A practical starting point for the people making ministry decisions.

Pastors and executive leadersBring a clear question to your finance team before approving the next commitment.

Treasurers and church administratorsPut the totals and assumptions in one place, ready to review together.

Finance teamsUse the worksheet to explain what is allocated and what still needs a closer look.

An optional next step

Bring your questions. We’ll bring Luke Twelve.

In a free 20-minute walkthrough, we’ll discuss how you track cash today, show the relevant planning workflow and help you decide whether L12 is a fit.

  • For you and the person who handles your church’s finances
  • Start with your process; no financial upload needed
  • We’ll reply to arrange a time

Want to explore first? See what Luke Twelve does.

Request your walkthrough

This sends your contact details and chosen topic. Your worksheet figures stay private.

We’ll use these details to respond to your request. Privacy

Nashville + Atlanta

Lead a pastor or church finance group?

Request coffee, donuts and a practical cash-clarity conversation for a meeting you already have.

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A few useful details

Is this a free version of Luke Twelve?

It is a free, standalone worksheet. The Luke Twelve application adds an ongoing planning workflow with financial health, budgets, reporting and plan-specific forecasting features. See the plans for details.

How is the result calculated?

Cash reviewed minus restricted/designated allocations, additional reserves and other unpaid commitments. The categories must not overlap. For example, a payment already covered by restricted cash should not also be deducted as an “other” commitment.

Your reserve allocation comes from your church’s own policy. This tool does not recommend a reserve target or determine whether spending is affordable.

What if I don’t know one of the totals?

Try the example to see how the worksheet works, then ask your treasurer or finance lead for the missing total. Entering zero for an unknown allocation can overstate the result.

Can I use this without giving you an email?

Yes. Build and print your worksheet without an account or email. The calculator does not upload or store the figures you enter. If you request a walkthrough, only the fields in that separate contact form are sent.