Stewara
Pricing

Flat per church. Never per person. $99.

Every new church starts with a 30-day trial of every module in the suite except Stewara Assistant, no credit card required to start. If you do nothing when it ends, you keep free Flock — your people and your care follow-ups stay exactly where they are.

See what you'd cancel →Compare giving-platform fees →

Every plan is one flat price for your whole church. Move up or down anytime. Questions about a plan? Talk to us.

Which of these is you?

Three churches, three answers

Illustrative, not a survey. But these are the three shapes that keep coming up.

  1. Just getting organized$0/moA church plant meeting in a school. One bivocational pastor, a spreadsheet of names, and giving that still arrives in a plate. Flock alone — the directory, households and care follow-ups — costs nothing and needs no plan.Start here. Nothing expires, and nothing about it is a trial.
  2. Running a real Sunday$99/moA couple of hundred on a Sunday, a worship team that needs a plan by Thursday, children checking in, a summer trip to collect money for, and a treasurer who has been keeping the books in a program on one laptop. Stewara is all of it, on one bill.Pick this when the handoffs between people are the problem.
  3. Only the books$30/moThe church database is fine and nobody wants to move it. What hurts is January, a shoebox of receipts, and a ledger only one person can open. Stewara Treasury on its own: real double-entry fund accounting, no office attached.Books-only churches exist. You don't have to buy the office.
Stewara Treasury · Standalone product

Real fund accounting, on its own.

A true double-entry ledger, funds, budgets, AP/bills & payments, 1099s, bank reconciliation, receipts, and mobile giving entry. Buy Treasury without the rest of the Stewara suite. Already using Stewara? It's included at no extra cost.

  • Cloud, multi-user: your whole team, in sync
  • Real double-entry fund accounting (usually a separate subscription on its own bill)
  • Included in Stewara ($99/mo), or standalone here
See everything Treasury includes
$25 / month
Billed annually ($300/yr), save 2 months ($60/yr)
Start your 30-day trial

The trial includes cloud Treasury. Desktop download and activation require a paid Treasury plan.

Replacement

What you'd stop paying for separately

Every job below already ships inside Stewara. If your church is paying someone else for one of them today, this is where it goes.

Flock is free forever. Your full people directory, families & care follow-ups: no plan required, no trial clock, unlimited members.See what's included
We take $0 of your giving. Gifts run on your church's own Stripe account and go straight to your church. On a $100 gift the card networks take about $3.20 and Stewara takes nothing. We get paid by the church, never by the plate.How giving works
How we compare

Flat price, unlimited members

The biggest complaint about church software is a bill that climbs as you grow. Ours doesn't.

Stewara
Common alternatives
Pricing model
Flat per church, never per person
Often à la carte and/or usage-tiered
Members included
Unlimited, forever
Varies; some products scale by usage
Church-branded member experience
Your brand + your layout inside the Stewara app, included
Varies by app or publishing tier
Free people directory
Flock: free, forever
Varies by vendor
Contracts
None, cancel anytime
Varies
Data import help
We help you move in
DIY or paid
Pricing transparency

See what you'd actually pay elsewhere

Stewara doesn't sit in your money flow, so there's no percentage for us to add. Your church keeps its own Stripe account and pays Stripe directly. Enter your numbers and see the software bill next to the one you're paying now.

Your Stewara plan
Stewara
Card processing
$329.90
Platform fee
$99/mo flat

Included in your one flat suite price. $0 of it is tied to your giving.

Est. total / mo$428.90
Tithe.ly
Card processing
$329.90
Platform fee
$119.00/mo+

Their published All-Access price — a floor, not a ceiling: Tithe.ly's total cost scales up with your giving volume.

Est. total / mo$448.90
Estimated savings vs. Tithe.ly$240.00/year
Where the processing actually differs

Both publish the same standard-card rate, so the estimate above charges it identically on each side. American Express is where they part: Tithe.ly's own page lists Amex at 3.5% + $0.30, and Stripe publishes no separate Amex rate at all. You can see it in the one place a church meets it: the line asking a donor to cover the fee on a $100 gift.

Stewara asks$3.302.9% + $0.30, Stripe's one domestic card rate
Tithe.ly asks$3.94Their live checkout, August 24, 2026 (grossed up at their Amex rate)

Every competitor figure here is read off their own pricing page or their own checkout, last checked August 24, 2026: Tithe.ly publishes an All-Access bundle at $119/mo, card processing at 2.9% + $0.30, and American Express at 3.5% + $0.30 (get.tithe.ly/pricing). Stripe publishes 2.9% + 30¢ for domestic cards with no Amex line. Nobody removes card processing, including us. A church on Stewara simply pays its own processor directly, which is also why it can apply to Stripe for the nonprofit discount. Pushpay is not in this comparison because Pushpay does not publish a price. Their pricing page asks you to book a demo (pushpay.com/pricing), and we will not put a number in a church's head that we cannot show them the source for. Your own numbers will vary; this is an estimate, not an invoice.

Questions

Pricing, plainly

Do you charge per member?

No, never. Every plan is a flat price for the whole church with unlimited members. Your bill doesn't change whether you have 50 people or 5,000, and there are no attendance, volunteer, or registrant count tiers either.

What happens after the trial?

Every new church gets a 30-day trial of every module in the suite except Stewara Assistant, no credit card required to start. Choose the bundle that fits, or do nothing and you'll gently step back to free Flock; you never lose your data either way.

Can we cancel anytime?

Yes. No contracts, no setup fees, no cancellation fee. If you stop paying, you gently step back to free Flock. Your data stays exactly where it is; you never lose it.

Is Flock really free forever?

Yes. Flock — your full people directory, families, and care follow-ups — is free for any church, permanently. There's no trial clock on it and no plan required; it's the base every church gets, whether or not you ever add a paid plan.

Who owns our church's data?

You do. Export your people and giving records anytime. We don't sell or share your church's data, ever, and each church's data is fully isolated from every other church at the database level.

More about plans, texting and billing

How does pricing work?

Flock — your people directory, families and care follow-ups — is free forever, with no plan and no card. Stewara is $99/mo (or $990/yr) and carries the whole office: Offering, Groups, Worship, Events, Check-In, Comms, Treasury, Insights and Publishing. One flat price for the whole church, however many people are in it. Stewara Treasury also sells on its own at $30/mo if the books are all you need.

Is there a cheaper plan?

No, and that is deliberate. Splitting the office into three boxes means every church buys the box that hides the thing it actually needed — which is the complaint we hear about every other church tool, and we are not going to reproduce it. There is one paid plan at $99 with everything in it, and a free one. If what you need is the accounting alone, Stewara Treasury is $30/mo on its own.

Does our church get its own app in the App Store?

Not today, and we'd rather say so plainly. Your members download Stewara, and inside it they get YOUR church — your logo, your colors, and a member home you design yourself, plus your own public website — at a free Stewara address, or on a domain your church already owns. A separate app published under your church's name in the App Store is a bigger undertaking (Apple and Google accounts, review, ongoing releases); it's on the roadmap as its own paid option, and we won't bill you for it or imply it's included until it genuinely is.

Is text messaging unlimited?

Email has no cap. Send as much as your church needs, at no extra cost. Texting isn't, and we'd rather be straight about why: every text is a real per-message carrier charge, so any church tool that advertises "unlimited texting" is either capping you quietly or pricing that risk into your bill. Every plan that includes Comms comes with 2500 text segments a month (enough for a text to your whole church every month plus everyday group messaging), and if you need more, a 500-segment pack is $15. There's a hard cap instead of surprise overage billing: if you run out, sending pauses until you add a pack or the month resets, so you can never be charged for a text you didn't buy. (A segment is 160 characters; a long text counts as more than one.)

Do we get our own texting number?

Yes, your church gets its own dedicated number, never a line shared with other churches. That matters more than it sounds: US carriers require every organization that sends texts to be registered under its own number, and opt-outs are enforced per number, so on a shared line one church's unsubscribe would silently block your members too. We handle the carrier registration for you. Most of what's required we already have, and your Stewara website already satisfies the published opt-in and privacy requirements that trip up small organizations. You upload your 501(c)(3) letter, confirm a few details, and choose an area code. Churches register under the charity use case, which carries the lowest carrier fees available.

How does Stewara Treasury fit in?

Treasury is our cloud fund-accounting product: a true double-entry ledger your treasurer, pastor, and admin can all use together, with giving from Stewara Offering flowing in automatically. It is $30/mo standalone if you only want the accounting, and it is included at no extra cost inside Stewara ($99/mo).

What if I only need one or two things?

Then start free. Flock — your full people directory, families and care follow-ups — costs nothing and needs no plan, for as long as you like. If you need more than that, Stewara is $99/mo for the whole church and everything is in it. And if what you actually need is the accounting, Stewara Treasury sells on its own at $30/mo, with or without the rest of the suite.

Do you take a cut of our giving?

No. Gifts run through your church’s own Stripe account and the money goes from your donor to your church. The card networks charge their processing fee, the same fee they would charge through any other platform, and Stewara takes none of it. We are never a destination in that flow — which is the whole reason the subscription is a flat $99: we get paid by the church, not by the plate. The calculator further down this page does the arithmetic against what a giving platform's own cut would cost your church.

How does annual billing work?

Pay for 10 months up front, get 12. That is 2 months free versus paying monthly all year. It is there for churches that budget annually: Stewara is $990/yr (about $83/mo effective) instead of $99/mo × 12 ($1,188). Treasury standalone offers the same annual option; switch between monthly and annual anytime from the toggle above.

Ready to bring your church over?

Start your 30-day trial today (no credit card required) or keep Flock free for as long as you like.

Migrating a whole church, or need a board-ready quote? Talk to a person.