TL;DR: Tithe.ly offers a free giving plan with no monthly fee, a Church Management plan at $72/month, and an All-Access bundle at $119/month that includes giving, ChMS, a branded church app, a website builder, and worship tools. Transaction fees run 2.9% + $0.30 per card and 1% + $0.30 per ACH. A small church (100 members) can start at $0/month. A mid-size church (300 members) using All-Access pays $119/month plus processing fees. A large church (1,000+ members) may need Enterprise pricing with negotiated rates. Here’s every plan, every fee, and what it actually costs.
How Tithe.ly Pricing Works
Tithe.ly uses a bundled pricing model. Instead of charging per app like Planning Center, you pick a plan that includes a set of products.
The core idea: Start free with giving, then upgrade to add church management, a branded app, and a website. Each plan builds on the one below it, so you never pay for individual products separately (unless you want just the app or just the website).
There are no per-member fees. Whether your church has 50 or 500 members, the monthly plan cost stays the same. That flat-rate approach makes Tithe.ly easy to budget for, especially as your church grows. The only variable cost is transaction fees on donations.
Every Tithe.ly Plan: Features and Pricing
Here’s the full breakdown of what each plan includes in 2026.
Free Giving Plan: $0/month
This is the entry point, and it’s a legitimate product, not a crippled trial.
| Feature | Included |
|---|---|
| Online giving (web + mobile) | Yes |
| Tithe.ly Giving App (iOS/Android) | Yes |
| Recurring giving | Yes |
| Pledge campaigns | Yes |
| Text-to-give | Yes |
| Giving statements | Yes |
| Multiple funds | Yes |
| Basic reporting | Yes |
| Donor management | Basic |
What you don’t get: No member database, no volunteer tools, no church app, no website builder, no email/text communication tools.
Best for: Church plants, small churches, or any church that just wants to accept online donations without a monthly software bill. You only pay transaction fees on actual donations.
Church Management + Giving: $72/month
This tier adds the full ChMS (formerly Breeze) to the free giving features.
| Feature | Included |
|---|---|
| Everything in Free Giving | Yes |
| Member database with custom fields | Yes |
| Household and family management | Yes |
| Tags and filtering | Yes |
| Volunteer coordination and scheduling | Yes |
| Small groups management | Yes |
| Event management and check-ins | Yes |
| Children’s check-in with security codes | Yes |
| Email messaging (drag-and-drop editor) | Yes |
| Text/SMS messaging | Yes |
| Mobile admin app | Yes |
| Giving tied to member profiles | Yes |
| Attendance tracking | Yes |
What you don’t get: No branded church app, no website builder, no worship planning tools.
Best for: Churches that need a member database and communication tools alongside their giving platform. If you previously used Breeze standalone, this is the equivalent tier inside Tithe.ly.
All-Access: $119/month
This is Tithe.ly’s flagship plan, and where most of the value lives.
| Feature | Included |
|---|---|
| Everything in Church Management + Giving | Yes |
| Custom branded church app (iOS + Android) | Yes |
| Church website builder (drag-and-drop) | Yes |
| Worship team tools (service planning, scheduling) | Yes |
| Sermon audio/video hosting | Yes |
| Live stream integration | Yes |
| Interactive sermon notes | Yes |
| Prayer wall | Yes |
| Push notifications | Yes |
| Group chat and messaging | Yes |
The math: If you bought each product separately (ChMS at $72, Custom App at $89, Website at $19), the total would be $228/month. The All-Access bundle saves you nearly 50%.
Best for: Churches that want everything under one roof with one vendor and one bill. This is the plan we see most growing churches choose.
Standalone Add-Ons
If you only want one specific product without the full bundle:
| Product | Monthly Cost | What You Get |
|---|---|---|
| Custom Church App | $89/month | Branded app in the App Store and Google Play with your church’s name, logo, and colors. Includes mobile giving, sermon media, push notifications, and group features. |
| Church Website | $19/month | Drag-and-drop website builder with templates designed for churches. |
Our take: The standalone app at $89/month makes the All-Access plan at $119/month look like a steal. For just $30 more, you get the app, the website, church management, and worship tools. Unless you already have a ChMS you love and only need the app, the All-Access bundle is almost always the better deal.
Enterprise: Custom Pricing
For churches with 2,000+ weekly attendees, Tithe.ly offers Enterprise pricing with:
- Negotiated transaction rates (lower than standard fees)
- Dedicated success manager
- Priority support
- Custom onboarding and data migration
- Multi-campus support
You’ll need to contact Tithe.ly’s sales team for a quote. Enterprise pricing isn’t published, but it’s worth exploring if your church processes significant giving volume, since even a small reduction in transaction rates saves thousands annually at scale.
Transaction Fees: The Cost That Doesn’t Show Up on the Pricing Page
This is where many churches get surprised. Every Tithe.ly plan, including the free one, charges transaction fees on donations.
| Payment Method | Fee |
|---|---|
| Credit/Debit Card (Visa, MC, Discover) | 2.9% + $0.30 |
| American Express | 3.5% + $0.30 |
| ACH / Bank Transfer | 1.0% + $0.30 |
| Card Reader (in-person kiosk) | 2.6% + $0.10 |
Monthly Fee Estimates by Giving Volume
| Monthly Online Giving | Card Fees (est.) | ACH Fees (est.) | Blended Estimate |
|---|---|---|---|
| $5,000 | ~$175 | ~$80 | ~$130 |
| $10,000 | ~$320 | ~$130 | ~$230 |
| $25,000 | ~$755 | ~$280 | ~$530 |
| $50,000 | ~$1,480 | ~$530 | ~$1,020 |
| $100,000 | ~$2,930 | ~$1,030 | ~$2,000 |
Blended estimate assumes roughly 60% card / 40% ACH, which is a common split for churches actively promoting bank transfers.
Key takeaway: For most churches, transaction fees cost more than the software subscription itself. A church receiving $25,000/month in online giving will pay roughly $500-750/month in processing fees on top of whatever plan they choose.
The “Cover the Fees” Feature
This is one of Tithe.ly’s smartest features. When a donor gives, they see an option to add the transaction fee to their gift so the church receives the full amount.
Tithe.ly reports that about 60% of donors opt in. That means on a $100 card donation, instead of your church losing $3.20 to fees, the donor gives $103.20 and your church gets the full $100.
If 60% of your donors cover fees and your church processes $20,000/month in online giving, that’s roughly $380/month in recovered fees, or about $4,500 per year.
This is a significant differentiator. Planning Center doesn’t offer a comparable feature. It’s one of the main reasons churches stick with Tithe.ly for giving even when they use other platforms for church management.
Total Cost Scenarios: What Your Church Actually Pays
Let’s put it all together with realistic scenarios.
Small Church (100 Members, $8,000/month in Online Giving)
| Cost Component | Monthly | Annual |
|---|---|---|
| Tithe.ly Plan (Free Giving) | $0 | $0 |
| Transaction fees (blended) | ~$185 | ~$2,220 |
| Cover the Fees recovery (60%) | -$110 | -$1,330 |
| Net Total | ~$75 | ~$890 |
Bottom line: A small church using only the free giving plan pays nothing for software. The only cost is transaction fees, and Cover the Fees cuts those significantly. This is genuinely one of the cheapest ways to accept online donations.
Medium Church (300 Members, $25,000/month in Online Giving)
| Cost Component | Monthly | Annual |
|---|---|---|
| Tithe.ly Plan (All-Access) | $119 | $1,428 |
| Transaction fees (blended) | ~$530 | ~$6,360 |
| Cover the Fees recovery (60%) | -$320 | -$3,840 |
| Net Total | ~$329 | ~$3,948 |
Bottom line: The All-Access plan at $119/month gives this church giving, a member database, a branded app, a website, and worship tools. The real cost driver is transaction fees, but Cover the Fees brings the effective total down to around $330/month for an entire church tech stack.
Large Church (1,000+ Members, $80,000/month in Online Giving)
| Cost Component | Monthly | Annual |
|---|---|---|
| Tithe.ly Plan (All-Access or Enterprise) | $119+ | $1,428+ |
| Transaction fees (blended) | ~$1,650 | ~$19,800 |
| Cover the Fees recovery (60%) | -$990 | -$11,880 |
| Net Total | ~$779+ | ~$9,348+ |
Bottom line: At this volume, the Enterprise plan is worth exploring. Even a 0.3% reduction in card processing rates saves roughly $240/month on $80,000 in giving. Large churches should negotiate.
Hidden Costs to Watch For
Beyond the listed prices and transaction fees, here are costs that catch churches off guard.
Hardware for in-person giving. Card readers for lobby kiosks run $50-100 each. iPads or tablets for check-in stations are $300-500 each. Budget $500-1,500 for a basic hardware setup.
SMS message limits. Text messaging is included in the ChMS plans, but there may be volume caps on SMS depending on your plan. High-volume texting can incur additional charges.
American Express fees are higher. At 3.5% + $0.30, Amex transactions cost noticeably more than Visa or Mastercard. If a significant portion of your donors use Amex, factor in the higher rate.
No annual billing discount on standard plans. Unlike Planning Center (which saves roughly 17% with annual billing), Tithe.ly’s published pricing doesn’t prominently feature annual discounts on standard tiers. Ask about this when signing up.
Data migration time. If you’re switching from another platform, migrating member data and giving history takes staff time. Tithe.ly provides import tools, but cleaning and mapping data is manual work. Budget a few hours to a few days depending on your data complexity.
Tithe.ly Pricing vs. Competitors
How does Tithe.ly stack up on cost? Here’s the comparison for a church with 300 members using a full suite of tools.
| Platform | Monthly Cost (300 members) | Transaction Fees (Card) | Free Tier | Branded App | Website Builder |
|---|---|---|---|---|---|
| Tithe.ly All-Access | $119/month | 2.9% + $0.30 | Yes (giving) | Included | Included |
| Planning Center (4-5 apps) | $120-200/month | 2.15% + $0.30 | Yes (limited) | No | No |
| Breeze (standalone legacy) | $72/month | 2.9% + $0.30 | No | No | No |
| Pushpay + CCB | ~$500-1,500/month | ~2.9% + $0.30 | No | Add-on ($$$) | No |
| ChurchTrac (Plus) | ~$15/month | Varies | Yes (100 people) | Basic | Basic |
Key Takeaways from the Comparison
Tithe.ly vs. Planning Center: Tithe.ly is cheaper at 200+ members and includes a branded app and website that Planning Center doesn’t offer. But Planning Center has lower transaction fees (2.15% vs. 2.9% for cards, 0% vs. 1% for ACH). On $25,000/month in giving, Planning Center’s lower rates save roughly $200/month in processing. Full comparison here.
Tithe.ly vs. Breeze: This comparison is mostly historical since Tithe.ly acquired Breeze in 2021. The $72/month ChMS plan is essentially Breeze inside Tithe.ly. If you’re comparing to the legacy Breeze product, the All-Access plan at $119/month gives you significantly more. See our breakdown.
Tithe.ly vs. Pushpay: Pushpay is 4-10x more expensive with quote-based pricing that typically starts at $500/month. Pushpay wins on donor analytics and giving optimization for large churches, but Tithe.ly is the clear value pick. Full comparison here.
Tithe.ly vs. ChurchTrac: ChurchTrac is the budget champion at $7-15/month. If cost is the primary factor and you don’t need a branded app or polished giving experience, ChurchTrac gives you the basics at a fraction of the price.
Is Tithe.ly Worth It? By Church Type
Church Plants and Startups
Yes, start with the free giving plan. Zero monthly cost, easy setup, and you can accept online donations within minutes. As you grow, upgrade to ChMS at $72/month or All-Access at $119/month. The progression is smooth and predictable.
Small Churches (Under 150 Members)
The free giving plan is a great starting point. If you need a member database, the $72/month ChMS plan competes directly with Breeze’s legacy pricing. For churches under 100 members, Planning Center’s free tiers or ChurchTrac’s free plan may be more cost-effective if you don’t need Tithe.ly’s giving features.
Mid-Size Churches (150-500 Members)
The All-Access plan at $119/month is strong value. You get a complete tech stack (giving, ChMS, app, website, worship tools) for less than most churches pay for separate tools. This is Tithe.ly’s sweet spot. The flat-rate pricing means your cost stays the same as you grow from 150 to 500 members.
Large Churches (500+ Members)
Worth using, but negotiate. The All-Access plan still works, but at higher giving volumes, the transaction fees become the dominant cost. Explore the Enterprise plan for negotiated rates. Also consider whether Tithe.ly’s worship tools are sufficient, as many large churches still pair Tithe.ly giving with Planning Center Services for worship planning.
Multi-Campus Churches
Proceed with caution. Tithe.ly offers basic multi-campus support, but it’s not as deeply integrated as Planning Center’s multi-campus features. If your campuses need independent reporting, scheduling, and check-in management, evaluate carefully or consider the Enterprise plan.
The Global Perspective: What International Churches Should Know
Tithe.ly prices everything in USD with no regional adjustments. For churches in Africa, Latin America, or Asia, $119/month represents a much larger share of the budget than it does for a US church.
Tithe.ly does support giving in select countries (Australia, UK, Singapore, Japan, Hong Kong, New Zealand), but payment methods are limited to credit/debit cards and bank transfers. There’s no M-Pesa, no MTN Mobile Money, no Paystack, no USSD, no multi-currency giving, no WhatsApp messaging, and no offline mode.
Bottom line for international churches: If your members give through mobile money or your congregation communicates through WhatsApp, Tithe.ly’s core infrastructure doesn’t support your needs. The platform was built for US churches, and the pricing and features reflect that. Read our piece on why US church software doesn’t work for African churches for more context.
Tips to Save Money on Tithe.ly
Here are practical ways to reduce your total Tithe.ly cost.
- Start free. Use the free giving plan until you genuinely need ChMS features. Don’t upgrade preemptively.
- Promote ACH giving aggressively. ACH fees (1% + $0.30) are less than half of card fees (2.9% + $0.30). On $20,000/month in giving, switching 50% of donors from cards to ACH saves roughly $190/month.
- Enable Cover the Fees. With 60% donor opt-in, this recovers a significant chunk of processing costs. Educate your congregation on what it means and why it helps.
- Skip the standalone app. At $89/month, the standalone app is poor value compared to All-Access at $119/month. If you need the app, upgrade to All-Access instead.
- Ask about annual billing. Contact Tithe.ly to ask if annual billing discounts are available for your plan. Even a 10% discount on All-Access saves $143/year.
- Audit your plan annually. If you’re on All-Access but don’t use the website builder or worship tools, the $72/month ChMS plan might be all you need.
- Consider hybrid setups. Use Tithe.ly’s free giving plan for donations and a budget ChMS like ChurchTrac for member management. Total cost: under $15/month plus transaction fees.
Frequently Asked Questions
Is Tithe.ly free?
The giving-only plan is genuinely free with no monthly fee. You pay transaction fees on each donation (2.9% + $0.30 for cards, 1% + $0.30 for ACH). For church management and other tools, paid plans start at $72/month.
How much does Tithe.ly cost per month?
Free for giving only. $72/month for giving + church management. $119/month for All-Access (giving, ChMS, branded app, website, worship tools). Enterprise pricing is available for churches with 2,000+ attendees.
What are Tithe.ly’s transaction fees?
Credit/debit cards: 2.9% + $0.30. American Express: 3.5% + $0.30. ACH bank transfers: 1% + $0.30. In-person card reader: 2.6% + $0.10.
Does Tithe.ly have lower fees than Planning Center?
No. Planning Center charges 2.15% + $0.30 for cards and 0% + $0.30 for ACH, which is lower across the board. However, Tithe.ly’s “Cover the Fees” feature lets donors absorb the cost, which Planning Center doesn’t offer. See our full comparison.
What happened to Breeze ChMS pricing?
Tithe.ly acquired Breeze in 2021. Breeze’s standalone pricing ($72/month) has been replaced by Tithe.ly’s Church Management plan at $72/month, which includes everything Breeze offered plus integrated giving. New signups go through Tithe.ly. Full details in our Breeze review.
Can I use just the free giving plan long-term?
Yes. There’s no time limit on the free giving plan. Many churches use it indefinitely for online donations without upgrading. You only pay transaction fees, and the core giving features are fully functional.
Is Tithe.ly cheaper than Pushpay?
Significantly. Tithe.ly’s All-Access plan is $119/month. Pushpay typically costs $500-1,500+/month depending on the package. See our full comparison.
Does Tithe.ly work outside the US?
Tithe.ly supports giving in select countries (Australia, UK, Singapore, Japan, Hong Kong, New Zealand) via cards and bank transfers. But there’s no mobile money, no multi-currency giving, no WhatsApp, and no regional pricing. Churches in Africa, Latin America, or most of Asia will find critical gaps.
The Bottom Line
Tithe.ly’s pricing is straightforward. Free for giving, $72/month for church management, $119/month for everything. No per-member fees, no surprise tier jumps as your church grows. The All-Access plan at $119/month is one of the best-value bundles in church tech, especially for mid-size US churches that want giving, a member database, a branded app, and a website from a single vendor.
The real cost to watch is transaction fees. For most churches, processing fees will exceed the subscription cost. Push ACH giving, enable Cover the Fees, and consider Enterprise pricing if your giving volume is high.
For US churches, Tithe.ly is a strong choice. For the global church, the limitations around payment methods, communication channels, and pricing in local currencies create real barriers.
If you’re a church outside North America looking for software that fits your context, see our guide to choosing church management software for region-specific recommendations.