HeirloomFY27 BudgetJul 2026 – Jun 2027
Heirloom Church  ·  Annual Operating Budget

The FY27
budget, in full.

A complete, driver-based plan for fiscal year 2027 — built account-by-account to mirror QuickBooks, and read top-down so the vision behind every number is clear. This is the plan to grow into two services while finishing the journey to self-sustaining.

Fiscal year Jul 2026 – Jun 2027 Base case Conservative Built on 2025 actuals Prepared by Turnkey CFO
Total Revenue
$499,564
Up 19% over FY26 plan
+19%
Total Expenses
$407,358
Down vs FY26 — leaner base
−1.5%
Surplus
$92,206
18% operating margin
Surplus
Operating Cash
$87,234
Projected at Jun 2027
01  /  The three-year picture

A church scaling its giving base while weaning off outside support.

Revenue climbs from $421,119 (FY26) to $499,564 (FY27) to $682,610 (FY28) — not on bigger outside gifts, but on a deeper internal giving base as attendance grows and a second service unlocks capacity.

Revenue, Expenses & Surplus
Fiscal years FY26 → FY28 · full operating P&L
Surplus margin trend
Net income as a share of revenue

The headline: Heirloom moves from break-even to a 18% surplus.

FY26 lands near break-even. FY27 plans a $92,206 surplus on a leaner expense base — building the reserve cushion that funds the next phase, including a future dedicated facility.

$7,601FY26 net
$92,206FY27 net
$197,452FY28 net
$87,234Cash @ Jun-27
02  /  Where the money comes from

Internal generosity overtakes external support.

In FY27, internal tithes & offerings reach $357,664 — while external partner gifts are deliberately stepped down to $102,300. That crossover is the self-sustaining story: the church funds itself.

Revenue composition by year
Internal tithes vs external partners vs designated & other
FY27 revenue mix
Share of $499,564 total
Revenue lines · QuickBooks accounts
Revenue sourceFY26FY27FY28FY27 share
03  /  The drivers behind the plan

Every number traces back to a handful of decisions.

This isn't a guess — it's a model. Change any one of these levers and the whole budget recalculates. These are the assumptions that build FY27.

Weekly attendance
140 → 247
Average weekly attendance (incl. kids) grows from the FY26 base into FY27 as the church adds a second service.
Growth engine
Giving per attendee
$160/mo
A simple, conservative per-attendee monthly giving rate — held flat, so growth comes from people, not from assuming deeper wallets.
Held flat
Two services launch
Jan 2027
A second Sunday service unlocks roughly +32% capacity, phased over 3 months for a realistic ramp.
+32% capacity
Staff COLA
+3%
A 3% cost-of-living raise for existing pastoral staff, effective September 2026. Worship leader is excluded (separate comp track).
From Sep '26
Sunday rent
$1,500 → $4.0k
Rent holds at the current rate through Feb 2027, then steps up to $4,000/mo from March 2027 forward.
Steps Mar-27
ABA sunset
Dec 2026
Austin Baptist Association missional giving (1% of tithes) sunsets after December 2026, trimming total missions allocation from 11% to 10%.
−1% missions
Attendance & monthly tithes
Annual averages · the engine of revenue
Staffing & comp assumptions
FY27 personnel plan
Lead Pastor (Dakota) — total comp$85,000
  of which housing allowance$52,000
Associate Pastor (Cy) — total comp$59,208
  of which housing allowance$30,000
Worship Leader (Noble) — part-time$35,000
  goes full-timeJul 2027 (FY28)
COLA raise (existing staff)+3% · Sep '26
FY27 Personnel total$215,585
04  /  Where the money goes

Spending, by department — measured against ministry benchmarks.

FY27 expenses total $407,358. Personnel is the largest line at 43% of revenue — comfortably inside the healthy 45–55% band for a growing church.

FY27 expenses by department
Share of $407,358 total spend
Benchmark check · % of revenue
FY27 actual vs healthy ministry range
05  /  Month by month through FY27

The seasonality — and the cash cushion underneath it.

Giving peaks in December and dips mid-summer. The plan keeps operating cash above $56,137 every month, ending the year at $87,234.

FY27 monthly revenue, expenses & ending cash
Bars = revenue vs expense · line = projected ending operating cash
Monthly net income
Surplus / (deficit) by month · FY27
What the rhythm means
Operating notes for the year
  • December is the giving high point — year-end generosity. Plan major one-time outlays around it.
  • Summer (Jun–Aug) dips — the reserve cushion carries the lean months.
  • Jan–Mar 2027 the two-service ramp lifts the internal giving base.
  • Mar 2027 rent steps to $4k — visible as a small expense bump.
06  /  The account-level spine

Every line, exactly as QuickBooks sees it.

This is the full chart-of-accounts budget — the same account names and numbers as the QBO file, so monthly Budget-vs-Actuals is a clean paste. Filter by department, search any account, compare all three years.

AccountDeptFY26FY27FY28
07  /  Two open inputs

Two decisions remain — each is a single cell in the model.

A
COLA effective monthThe model currently applies the 3% staff raise from September 2026 (the first September of FY27). If you meant September 2027 instead, it's a one-cell flip — the plan recalculates automatically.
B
Rent base before the March-27 stepRent is modeled at $1,500/mo through Feb 2027, then $4,000/mo. If the current rate should be different, adjust the base — the step-up logic stays intact.