Softwr

Religion · head to head

ChurchTrac vs Overflow

ChurchTrac logo

ChurchTrac

Religion

Church management and member tracking software

From
Free
Rated
-
Full reviewWebsite
Overflow logo

Overflow

Religion

Stock, crypto and donor-advised fund giving for churches and nonprofits, priced per gift type

From
$50/month
Rated
-
Full reviewWebsite

The short version

  • Only ChurchTrac has a free tier, so it costs nothing to try first.
  • Each has a real cost: ChurchTrac priced by how many people are tracked, in bands of 75, 125, 250, 500, 1,000 and unlimited names, so growth pushes a church up a tier; Overflow crypto carries a 3 percent fee on top of the base rate, which makes it the most expensive channel on the platform at exactly the point where donors expect it to be cheap.
  • They diverge on capability: ChurchTrac covers Member Management, Overflow covers Stock donation flow.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which ChurchTrac and Overflow actually diverge.

Attributes where ChurchTrac and Overflow differ
AttributeChurchTracOverflow
Starting priceFree$50/month
Pricing modelsubscriptionPer month plus a published fee per asset type
Free tierYesNo
PlatformsWeb, Mobile-responsiveWeb, iOS, Android
Founded2009Unknown

Identical on both: user rating (Not yet rated), category (Religion).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in ChurchTrac

  • Member Management
  • Attendance Tracking
  • Visitor Tracking
  • Payroll Systems
  • Payment Processors
  • Data Import/Export
  • Web support
  • Mobile-responsive support

Only in Overflow

  • Stock donation flow
  • Cryptocurrency giving
  • Donor-advised fund grants
  • Card and ACH giving
  • RoundUps
  • Tax receipting

What people use each for

The jobs each tool is most often brought in to do.

ChurchTrac

  • Church membership, giving and event management in one systemnot Overflow
  • Fund accounting and contribution tracking for a congregationnot Overflow

Overflow

  • A church wanting to accept appreciated stock without the finance team processing each transfer by handnot ChurchTrac
  • A capital campaign where major donors are more likely to give assets than cashnot ChurchTrac
  • A nonprofit that keeps being offered donor-advised fund grants and has no clean way to receive and attribute themnot ChurchTrac
  • Adding crypto giving for a younger donor base without holding the asset or managing a walletnot ChurchTrac

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

ChurchTrac

  • Priced by how many people are tracked, in bands of 75, 125, 250, 500, 1,000 and unlimited names, so growth pushes a church up a tier
  • The published figure is a starting price of $29 a month, with per band prices shown only in an on page calculator
  • Enhanced messaging is a $7 a month add on and includes 250 credits
  • Website and app setup starts at $477 and accounting setup at $399, both one off

Overflow

  • Crypto carries a 3 percent fee on top of the base rate, which makes it the most expensive channel on the platform at exactly the point where donors expect it to be cheap.
  • Card processing at 2.75 percent plus 30 cents on the entry plan is above what a church can get from a dedicated church giving processor, so using Overflow for routine weekly giving costs more than it should.
  • It is a giving channel, not a church management system, so contributions must be reconciled into your existing ChMS and finance software, adding a second monthly close step.
  • Stock and DAF fees are quoted as a 1 to 3 percent range with the actual rate depending on transfer route, so an organisation cannot forecast net proceeds precisely before the gift settles.
  • Non-cash gifts settle over days rather than instantly, and the amount received depends on the price at liquidation, so the receipted value and the cash landed will not match.

Pricing, plan by plan

ChurchTrac

Free
  • Starter (75 people)$29/month
    • Tracks up to 75 people
    • All core features included
  • Growth (250 people)$null/month
    • Tracks up to 250 people
    • All core features included
  • Enterprise (Unlimited people)$null/month
    • Unlimited people tracking
    • All core features included

Overflow

$50/month
  • Foundation$50/month
    • All giving methods including stock, crypto and DAF
    • Cards from 2.75 percent plus 0.30 USD
    • ACH at 0.50 percent plus 0.20 USD
  • Growth$undefined/month
    • Reduced processing rates by volume
    • Dedicated onboarding and account management
    • Token vaulting for recurring donors
  • Enterprise$undefined/month
    • Custom rate structure for multi-site organisations
    • Strategic support
    • Custom pricing

Which should you pick?

Choose ChurchTrac if

  • You need member management.
  • You want to start without paying.
  • You work on Web, Mobile-responsive.
  • You also want attendance tracking.
ChurchTrac review

Choose Overflow if

  • You need stock donation flow.
  • You work on Web, iOS, Android.
  • You also want cryptocurrency giving.
Overflow review

Questions people ask

Is ChurchTrac or Overflow better?
Neither clearly leads. ChurchTrac starts at Free and Overflow at $50/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, ChurchTrac or Overflow?
ChurchTrac has a free tier; the other does not. Paid plans start at Free for ChurchTrac and $50/month for Overflow.
Does ChurchTrac or Overflow run on more platforms?
ChurchTrac runs on Web, Mobile-responsive. Overflow runs on Web, iOS, Android.
Can I use ChurchTrac for free?
Yes. ChurchTrac has a free tier, so you can try it without paying. Overflow starts at $50/month.
What is ChurchTrac best used for?
ChurchTrac is most often used for church membership, giving and event management in one system, fund accounting and contribution tracking for a congregation. Of those, church membership, giving and event management in one system and fund accounting and contribution tracking for a congregation are not what Overflow is typically brought in for.
What can ChurchTrac do that Overflow cannot?
ChurchTrac covers Member Management, Attendance Tracking, Visitor Tracking, Payroll Systems. Overflow covers Stock donation flow, Cryptocurrency giving, Donor-advised fund grants, Card and ACH giving.

Answered from the vendors’ own pages

ChurchTrac: How much does ChurchTrac cost?

ChurchTrac starts at $29/month for tracking 75 people and includes people management, fund accounting, giving, website and app, check-in, worship, groups, volunteers, messaging, registrations, and automations. Annual billing offers a 10% discount.

Source
Overflow: What does Overflow cost?

Foundation is 50 USD a month. Cards start at 2.75 percent plus 0.30, ACH at 0.50 percent plus 0.20, stock and DAF at 1 to 3 percent, and crypto adds 3 percent.

ChurchTrac: Is there a free trial for ChurchTrac?

Yes, ChurchTrac offers a 30-day free trial with no credit card required.

Source
Overflow: Why give stock instead of cash?

Transferring appreciated shares avoids the capital gains tax the donor would pay on selling first, so the same after-tax cost produces a larger gift.

ChurchTrac: What costs extra in ChurchTrac?

Enhanced Messaging costs $7/month and includes 250 messaging credits monthly for two-way texting and voice. Website and App Build service starts at $477. Accounting Setup service starts at $399.

Source
Overflow: Does Overflow replace our church management system?

No. It handles giving only and integrates with your existing ChMS.

ChurchTrac: How are ChurchTrac pricing tiers organized?

Pricing tiers are based on the number of people tracked: 75, 125, 250, 500, 1,000, or Unlimited. An interactive calculator on the pricing page shows exact costs for each tier.

Source
Overflow: Do we hold the cryptocurrency?

No. Crypto gifts are liquidated and remitted as cash, so the organisation does not carry price risk after settlement.

Share

Related pages

More on ChurchTrac

More on Overflow

Keep looking

Other head to heads