Professional-grade calculators and assessment tools designed specifically for CFOs, Controllers, Treasury Managers, and Executive Directors at church extension funds and faith-based financial institutions.
No registration required. Instant results. 100% free.
Compare your current Church Extension Fund management costs against CEFCore. Calculate potential savings on software, labor, compliance, and IT support across DDI, AMI, in-house, and other systems.
Determine how much your church can afford to borrow based on annual giving, operating expenses, existing debt, and property value. Get instant DSCR and LTV analysis.
Calculate your church's Debt Service Coverage Ratio — the key metric lenders use to evaluate loan applications. Includes what-if scenarios and improvement guidance.
Get a comprehensive financial health assessment across 6 dimensions: giving health, expense management, debt health, liquidity, efficiency, and growth sustainability.
Generate a complete, board-ready amortization schedule with monthly or quarterly payments. Export to CSV for your records. See the impact of extra payments.
Assess whether your Church Extension Fund reserves meet regulatory guidelines and best practices. Includes stress testing across three severity scenarios.
Estimate total project costs for new construction, renovations, additions, or remodels. Accounts for region, quality tier, special features, and soft costs.
Analyze fund performance, assess reserve adequacy, and generate board-ready financial reports with accurate calculations.
Stress-test reserves, evaluate liquidity positions, and ensure compliance with NASAA guidelines and state regulations.
Quickly assess church borrowing capacity, calculate DSCR ratios, and generate amortization schedules for loan applications.
Evaluate your church's financial health, estimate building project costs, and understand loan affordability before applying.
Church Extension Funds (CEFs) operate at the intersection of financial services and faith-based ministry. Unlike commercial lenders, CEFs must balance investor stewardship, regulatory compliance, and the unique financial dynamics of churches and religious organizations.
Our free tools are designed with these unique considerations in mind. Church revenue patterns differ from commercial businesses — they depend on tithes, offerings, and donations rather than product sales. Debt capacity calculations must account for attendance trends, giving patterns, and the volunteer-driven nature of church operations.
Whether you're evaluating a loan application, assessing your fund's reserve position, or helping a church plan a building project, these tools provide the specialized calculations that generic financial calculators simply can't offer.
Use the Loan Affordability Calculator and DSCR Calculator to quickly pre-qualify churches before they submit a full loan application, saving time for both the fund and the borrower.
Generate professional amortization schedules and financial health scorecards that church boards can use to make informed borrowing decisions.
The Fund Reserve Adequacy Calculator helps treasury managers ensure compliance with NASAA guidelines and state securities regulations.
The Building Project Cost Estimator and Financial Health Scorecard support long-range planning for both churches and the funds that serve them.
CEFCore is the complete financial management platform purpose-built for Church Extension Funds. Manage loans, investor notes, general ledger, compliance, and reporting in one secure system.