Giving at-risk calculator
Most lost giving isn't a lack of generosity. It's an expired card, a declined payment or a family going through a hard season that nobody knew about.
Estimated at about $1,850 per attender. Enter your own number.
Card and payment problems only affect giving that comes in online.
Quietly at risk each year
$28K – $44K
About 5–8% of your total giving.
Giving Steward could help bring back
$9K – $22K
Usually a third to half, with simple follow-up and pastoral care.
Where it slips away
Expired or replaced cards
About a third of cards change each year. Updaters catch some; the rest go dark because nobody notices.
$6K–$12K
Declined recurring payments
Insufficient funds, fraud holds or bank blocks. Most platforms retry once or twice, then stop.
$2K–$5K
Occasional givers who drift
About 20–30% stop each year with no follow-up. Nothing fails, so nothing alerts anyone.
$6K–$10K
Families under financial strainA care opportunity
Job changes, medical bills or rising costs. It's rarely said out loud — a chance to care, not money to win back.
$12K–$14K
Failed one-time gifts
A declined card at checkout or a clunky mobile flow, with no retry.
$2K–$4K
Signals for expiring, expired and silently failing cards, with a friendly update-your-card email you approve or send automatically.
Lapse and downgrade alerts for recurring and occasional givers, so someone can reach out personally before months go by.
Care tasks for a call or visit — or leave them alone with a pastoral note, and they stay off every outreach list.
Create a free account, then connect Planning Center or upload a CSV from any giving platform. Giving Steward shows you exactly which families might need attention.
This is a planning estimate built from common giving patterns, not a published study. Your own data gives the real number.