How Do Churches Make Money: Increase Church Stability 2024

Table of Contents

How do churches make money? If we could answer this one question, many ministry leaders would be better equipped to manage a financially stable ministry. 

If that sounds like you, then you’re going to love this deep dive into how many churches make money.

Let’s get into it. 

What is a Church?

A church is a place of worship for Christians, where they gather to praise, pray, and study the Bible. 

It’s also a community center where believers can support one another and engage in various activities. 

Churches have financial needs, and understanding how they make money can help ministry leaders grow their congregations, engage the youth, and overcome financial constraints.

Tithes and Offerings

Tithes and offerings are the primary sources of income for most small to mid-sized churches. 

how churches make money

In the Old Testament, the Israelites were instructed to give a tenth of their income to support the Levites (Numbers 18:21, NIV). 

In the New Testament, the Apostle Paul encouraged believers to give generously (2 Corinthians 9:7, NIV). Tithes are typically 10% of a person’s income, while offerings are voluntary and can be any amount.

Today, tithes and offerings remain vital for church operations. They help pay for staff salaries, building maintenance, and various ministries. 

Online giving platforms can streamline the process and make it easier for congregants to contribute.

But there are other ways the churches bring in revenue. 

Get Your Exclusive 5-Day Ministry Growth Bible Study!

Get 3+ Hours Of Exclusive Video Content & 2 Free Ministry Growth E-Books When You Enter Your Name & Email!

Owning & Operating Businesses

Some churches own businesses, such as bookstores, coffee shops, or event venues, to generate additional income. 

These businesses can also serve as outreach tools, attracting people to the church and providing a space for fellowship and connection. 

Some churches own and rent out real estate. 

They use real estate to generate cash flow for their ministries while also using that house to help those in the community who are less fortunate. 

The Salvation Army, for example, has countless thrift stores. The thrift stores accept donated clothing items which they then sell at inexpensive prices. 

This provides people in the community affordable clothing while also enabling The Salvation Army to fund other ministries like their churches and their drug and alcohol rehabilitation programs. 

Through business ownership, many ministries are able to diversify their income streams and be more financially stable. 

TV and Radio Stations

Televangelism and radio ministries have been successful in reaching millions of people with the gospel message. Churches with TV or radio stations can generate income through advertisements, donations, and product sales.

Selling Merchandise

Churches can make money by selling branded merchandise like clothing, accessories, or home decor items. This can help raise funds for church programs and build a sense of unity among church members.

Selling Products or Services

Some churches offer products or services like marriage counseling, financial planning, or workshops.

This can generate additional income while also further supporting the needs of the surrounding community. 

Such services can also support the church’s mission and provide valuable resources to the congregation. 

Get Your Exclusive 5-Day Ministry Growth Bible Study!

Get 3+ Hours Of Exclusive Video Content & 2 Free Ministry Growth E-Books When You Enter Your Name & Email!


Churches may apply for grants from foundations or other organizations to fund specific projects or initiatives. 

Grants can provide much-needed financial support, especially for smaller churches with limited budgets.

$10,000 Google Ad Grants

Many churches have discovered the power of Google Ad Grants to increase website traffic and encourage online giving. 

Google Ad Grants is a program that offers eligible non-profit organizations, including churches, up to $10,000 per month in free Google Ads advertising. 

By taking advantage of this opportunity, churches can reach a wider audience and spread their message more effectively.

Utilizing Google Ad Grants allows churches to create targeted ad campaigns that drive potential visitors to their websites, where they can learn about the church’s mission, ministries, and community involvement. 

As a result, more people become aware of the church’s positive impact on their community, which may inspire them to attend services or contribute financially.

Increasing website traffic can also lead to an uptick in online giving, as people feel compelled to support the church’s mission and activities. 

Many churches offer online giving platforms, making it easy for visitors to donate with just a few clicks. 

This convenience can significantly boost tithes and offerings, helping churches maintain financial stability and continue to meet the needs of their congregation and community.

It’s important to be aware that the Google Ad Grant is not a cash grant like other grants. It is an advertising grant that gives ministries $10,000 per month of advertising on Google. 

These advertising dollars can be used to with your marketing strategy to increase website traffic, people coming to your ministry,  and donations. 

In conclusion, Google Ad Grants provide a valuable opportunity for churches to increase website traffic, attract new members, and incentivize online giving. 

By leveraging the power of digital advertising, churches can expand their reach and make a more significant impact on their communities. We have more information on Google Advertising Grant Mananagement Services at the link.

Churches Save on Taxes

In many countries, churches enjoy tax-exempt status, which allows them to save on taxes and direct more resources towards their mission. 

This tax exemption usually applies to property taxes, sales taxes, and sometimes even income taxes. It’s essential for churches to maintain compliance with tax regulations to continue benefiting from these savings.

Get Your Exclusive 5-Day Ministry Growth Bible Study!

Get 3+ Hours Of Exclusive Video Content & 2 Free Ministry Growth E-Books When You Enter Your Name & Email!

Church Sponsorships

Church sponsorships can be a valuable source of income, but they can also be a double-edged sword that makes or breaks a ministry.

When done correctly, sponsorships can provide much-needed financial support and foster mutually beneficial relationships between the church and sponsoring organizations.

However, if done incorrectly, they can lead to mistrust and skepticism from both the congregation and the wider community, undermining the ministry’s credibility and integrity.

The key to successful church sponsorships lies in carefully considering the needs and expectations of all parties involved: the church, the sponsor, and most importantly, the congregation. 

Churches should only enter into sponsorship agreements that genuinely meet these needs and align with their vision, mission, and values.

To ensure that a sponsorship agreement is beneficial to all parties, churches should:

  1. Assess compatibility: Churches should seek partnerships with organizations that share their values and vision. This alignment will help ensure that the sponsorship supports the church’s mission and enhances its community impact.
  2. Evaluate the sponsorship’s impact on the congregation: Churches must consider how the sponsorship will affect their congregation’s perception of the ministry. Will the partnership meet the congregation’s needs or compromise the church’s integrity? To maintain trust, churches should communicate openly with their congregation about the sponsorship and its benefits.
  3. Ensure a mutually beneficial relationship: A successful church sponsorship should address the needs of both the church and the sponsor. Churches should negotiate agreements that provide valuable resources, such as financial support or services, while offering the sponsor exposure to their target audience or opportunities for community engagement.
  4. Establish clear boundaries: Churches must be cautious not to compromise their mission and values in exchange for sponsorship support. Establishing clear boundaries and expectations upfront can help protect the ministry’s integrity and ensure the partnership remains focused on shared goals.
  5. Regularly review and evaluate the sponsorship: Churches should regularly assess the ongoing effectiveness of their sponsorships, ensuring they continue to meet the needs of all parties and remain aligned with the church’s mission and values.

By carefully selecting and managing sponsorships, churches can enjoy the financial benefits of these partnerships without compromising their mission, values, or the trust of their congregation. 

Ultimately, a well-executed church sponsorship can strengthen the ministry and help it better serve its community.

Get Your Exclusive 5-Day Ministry Growth Bible Study!

Get 3+ Hours Of Exclusive Video Content & 2 Free Ministry Growth E-Books When You Enter Your Name & Email!

In-Kind Donations

In-kind donations are non-cash contributions, such as goods or services, that people provide to churches. 

These donations can help churches save money on expenses and allocate more resources towards their ministries. 

Examples of in-kind donations include office supplies, equipment, volunteer labor, or professional services. 

Christian Ministries can also get in-kind donations of land, real-estate, and other large items. 

Investment Capital

Some churches invest in stocks, bonds, or other financial instruments to generate income. 

Investment capital can provide a source of passive income, helping churches grow their financial resources over time. 

It’s essential for churches to have a sound investment strategy and consider the potential risks involved.

Common Financial Struggles Churches Face

Despite the various income sources available, many churches still face financial challenges that hinder their ability to effectively serve their congregations and communities. 

Here are some common financial struggles churches face:

  1. Insufficient Tithes and Offerings: A significant challenge for many churches is the decline in tithes and offerings, particularly in times of economic downturn or as church attendance declines. Insufficient funds can limit the church’s ability to pay staff, maintain facilities, and support ministries.
  2. Increasing Operational Costs: Churches, like any organization, face increasing operational costs such as utility bills, maintenance, and insurance. These expenses can strain a church’s budget, especially for smaller congregations with limited financial resources.
  3. Inadequate Financial Management: In some cases, churches struggle with poor financial management, which can lead to overspending, misallocation of funds, or lack of transparency. Effective financial management is crucial for churches to make the best use of their resources and maintain the trust of their congregants. See our article on Church Finance to learn more about this.
  4. Limited Financial Reserves: Many churches do not have adequate financial reserves to cover emergencies or unforeseen expenses. Building up financial reserves can be challenging, particularly for smaller churches with limited income sources.
  5. Aging Facilities: Older church buildings may require significant repairs or renovations, which can be expensive and strain the church’s budget. Some churches may struggle to find the funds to address these issues and keep their facilities safe and functional.
  6. Difficulty Attracting New Members: Attracting new members and retaining existing ones is vital for maintaining and increasing tithes and offerings. However, many churches face challenges in engaging younger generations and adapting to changing demographics.
  7. Lack of Diversified Income Sources: Some churches rely heavily on tithes and offerings as their primary source of income. This reliance can make them vulnerable to fluctuations in giving, emphasizing the importance of exploring diversified income sources to create financial stability.

Addressing these financial struggles requires churches to be proactive in developing sound financial strategies, embracing technology, engaging in community outreach, and exploring diversified income sources. A strategic church plan can help with not only the financial aspects of a ministry but the health and growth of the ministry as a whole.

By taking these steps, churches can overcome financial challenges and focus on their mission of serving their congregations and communities.

Get Your Exclusive 5-Day Ministry Growth Bible Study!

Get 3+ Hours Of Exclusive Video Content & 2 Free Ministry Growth E-Books When You Enter Your Name & Email!

How Churches Can Increase Financial Stability

Increasing financial stability is essential for churches to effectively serve their congregations and communities. 

It’s important that the primary mission of the church is to serve those in their communities and share the Gospel, and disciple believers. 

Understanding the primary purpose of the church, there is a fine line to be struck between expending resources today and increasing the probability that the church will be financially stable in the future to continue supporting the community. 

Here are some strategies churches can consider employing to strengthen their financial footing:

  1. Meeting Community Needs: The fastest way to increase income is to simply figure out the needs of the people around your ministry and meet them in the most scaleable way. People go where their needs are met and they stay where their needs are met consistently.

    By actively addressing the needs of your community, you can attract new members and increase the size of your tithing base. Of course, income is not the primary goal, serving the community is.

    At the same time, it’s important to know that serving the community in a consistent and sustainable manner (as Christ did) will attract donors to your ministry. 

    Initiating programs such as food banks, clothing drives, or after-school activities can demonstrate the church’s commitment to its community and help bring in additional financial resources.
  2. Keeping Debt Burdens Low: Churches should aim to minimize their debt by carefully managing loans and credit lines. Reducing debt allows churches to allocate more resources to their ministries and less towards interest payments, contributing to their overall financial stability.One specific strategy is to make sure all debt or mortgages taken on are in the form of fixed rate debt. (Variable rate debt can increase during inflation, making it almost impossible to catch up with your increase debt burden.)
  3. Utilizing Zero-Balance Budgets: Implementing zero-balance budgets, where every dollar is allocated to a specific expense, can help churches maintain financial discipline and avoid overspending. This budgeting approach ensures that no funds are left unaccounted for, promoting responsible stewardship of the church’s financial resources.
  4. Diversifying Income Streams: Diversifying income sources can help churches weather economic downturns and maintain financial stability. In addition to tithes and offerings, churches should explore alternative income streams such as sponsorships, grants, or revenue-generating activities like selling merchandise or providing services.
  5. Holding Adequate Reserves: Churches should aim to build up financial reserves for unforeseen expenses, such as emergency repairs or unexpected operational costs. As a rule of thumb, setting aside a percentage of the budget for capital expenditures or emergencies can help churches remain financially stable during challenging times.
  6. Capital Allocation Strategies: Larger churches with significant financial resources should consider implementing capital allocation strategies to hedge against macroeconomic risks, such as inflation or deflation. By investing in assets like real estate, stocks, or bonds, churches can protect their financial resources from the negative effects of economic fluctuations. See our post titled Church Economics: The Church Recession Survival Guide for more on this.

By adopting these strategies, churches can increase their financial stability, enabling them to better serve their congregations and communities, and focus on their core mission without being constrained by financial limitations.

Get Your Exclusive 5-Day Ministry Growth Bible Study!

Get 3+ Hours Of Exclusive Video Content & 2 Free Ministry Growth E-Books When You Enter Your Name & Email!

What Churches Make the Most Money

Some of the largest and most successful churches are non-denominational megachurches with tens of thousands of members. These churches often have multiple revenue streams, including tithes and offerings, product sales, and media ministries.

 However, it’s important to remember that a church’s success is not solely defined by its financial resources but also by its spiritual impact and community outreach.

Understanding how churches make money is crucial for pastors and church leaders looking to grow their congregations and engage the youth. By exploring various income sources and implementing effective financial strategies, churches can overcome financial constraints and better serve their communities.


How do small churches make money?

Small churches typically rely on tithes, offerings, and in-kind donations, but they can also explore additional income sources such as grants, sponsorships, or selling products and services.

Are churches required to pay taxes?

In many countries, churches enjoy tax-exempt status, which allows them to save on taxes. However, it’s essential for churches to maintain compliance with tax regulations to continue benefiting from these savings

Can churches invest in the stock market?

Yes, churches can invest in stocks, bonds, or other financial instruments to generate income. However, they should have a sound investment strategy and consider the potential risks involved.

How can churches increase their income?

Churches can increase their income by exploring various revenue streams, such as owning businesses, selling merchandise, or obtaining grants. They can also focus on community outreach and digital marketing to attract new members and increase tithes and offerings.

What are some financial strategies for small churches?

Small churches can embrace technology to save money and increase efficiency, as well as engage in community outreach programs to attract new members and generate goodwill. They can also explore additional income sources, such as grants, sponsorships, or selling products and services, to help them grow financially and better serve their communities.

That just about brings us to the end of this post on how do churches make money.

What creative ways have you seen or experienced in how churches make money, and how do these methods contribute to their financial stability and community impact?

1 comment

Leave a comment

Your email address will not be published. Required fields are marked *

Let's book your church growth assesment!

**Scroll Down To Book On Mobile**