MoneyMinder Pricing: What It Costs and What You Don't Get (2026)

MoneyMinder Pricing Tiers

Hidden Costs You Won't See on the Pricing Page

• ⚠ Migration to a real fund accounting system when the organization grows: $1,500-$5,000
• ⚠ Spreadsheet labor for restricted fund tracking (workaround for missing native support): 5-10 hours/month
• ⚠ CPA or consultant fees for Form 990 preparation (MoneyMinder has no 990 support)
• ⚠ Audit remediation risk if restricted fund commingling occurs due to no enforcement controls

What MoneyMinder costs

MoneyMinder has two tiers. The free version covers basic income and expense tracking for a single treasurer. The paid tier at $15/month adds multiple user access, bank sync, and document storage.

There are no setup fees, no per-user charges beyond the base subscription, and no hidden pricing tiers. For what it is, MoneyMinder is straightforward.

What it includes

MoneyMinder handles the basics a PTA treasurer needs: recording income and expenses against budget categories, generating simple financial reports, and tracking a bank account balance. The $15/month version adds bank sync and document storage, which handles receipts and check scans.

For the use case it was designed for — a parent-teacher organization or volunteer club with a single checking account and a part-time treasurer — MoneyMinder works.

What it does not include

MoneyMinder uses single-entry bookkeeping. This is a fundamental architectural limitation, not a missing feature that could be added in a future update.

Single-entry bookkeeping cannot support:

• Restricted fund tracking. There is no mechanism to designate funds as restricted, enforce spending restrictions, or generate fund-level balance sheets.
• Net asset classifications. FASB ASC 958 requires nonprofits to classify net assets as with-donor-restrictions or without-donor-restrictions. Single-entry systems cannot produce these statements.
• Form 990 preparation. MoneyMinder has no Form 990 support. Organizations file their 990 separately, typically with a CPA who must reconstruct the necessary data from MoneyMinder’s exports.
• Audit-ready reporting. Auditors reviewing a 501(c)(3) expect fund-level financial statements with proper classifications. MoneyMinder’s reports are not structured for this.

Who it is appropriate for

MoneyMinder fits PTAs, booster clubs, and small volunteer organizations with annual budgets under $100,000, no restricted grants, and bookkeeping needs that a part-time volunteer treasurer can handle in a few hours each month.

If your organization is a 501(c)(3) with an IRS determination letter, receives any restricted donations or grants, or expects an annual audit, MoneyMinder is not the right tool — regardless of the price.

The cost of outgrowing it

Switching accounting platforms mid-year is disruptive. It requires data migration, staff retraining, and a period where historical data lives in one system and current transactions in another.

Organizations that start on MoneyMinder because it is free and then outgrow it after receiving a first foundation grant typically pay $1,500-$5,000 to migrate to proper fund accounting software — plus staff time for the transition. Starting on the right tool is usually cheaper over a three-year horizon.