Church Planting, Uncategorized

Funding Your Church Plant: The Right People Should Pay for It… And It’s Not the Pastor’s Kids


I occasionally coach church planters, and there is a common denominator between all of them.

They are underpaid.

Shocker, eh?

Nondenominational planters especially are underpaid because they often lack the deep pockets of denominational funders. Unfortunately, some denominations underfund plants, as well, not realizing that an investment in effective planters will eventually result in far more denominational growth and funding.

On top of these challenges, it is very difficult for pastors to raise funds from the new church’s launch team, because so many people in our culture parrot cliches about pastors being in it for the money. Contrary to 30-year old cultural memes still justified by the unethical actions of 1980s televangelists, most pastors are not even close to being in it for the money. Similar to schoolteachers, most pastors are grossly overworked and underpaid.

So, an inspired, idealistic, well-intentioned (and naive) pastor goes out into the field to start something that brings hope to lots of people, totally unmotivated by money. She sacrifices, works long hours, spends less time with family than she wants, inspires people, and pulls a new church together. She tends to downplay her own needs, while the growing congregation appreciates her dedication but is unaware of the daily financial pressure she feels.

Then, after a few years of struggling to pay the pills, she is forced into a another line of work to make ends meet. The church can’t even hire a successor because they don’t pay a competitive salary and never have.

Like everything else in life, the truth is that someone will have to pay for the new church. Every pastor has a right to earn a fair, honest living, and any congregation that wants to be viable has the responsibility to fund it.

If, as a planting pastor, you struggle to ask for a raise or to believe that your family deserves for you to be paid fairly, here are a couple of questions for you:

1. Should the financial obligations of a church be spread across the whole congregation, or should they be placed squarely upon your family?

In other words, which is easier, for everyone in a 100 person congregation to give $5 more per week (which adds up to $26,000 per year), or for your kids to have less than they need because you are underpaid by $26,000 per year?

Compensating a pastor fairly is actually a small sacrifice if the expense is shared by the congregation. Either the congregation pays the bills or the pastor’s kids do. It’s one or the other.

What if you don’t have children?

You probably will someday, and they will be affected by the financial decisions you make now.

2. How would the people in your congregation respond if they actually knew the financial toll the plant takes on you, and if you’re married, the toll it takes on your marriage?

They would probably feel embarrassed and immediately take steps to pay you adequately. If not, then it might be time to leave and let them face reality.

If they simply had more information about the average compensation for pastors, they might make it right far more quickly than you think. Perhaps Googling “pastor compensation guide” and sharing it with your elders or church board would be a good first step. Or perhaps you could invite a church planting coach or consultant to talk with your board and speak the truths you find it difficult to say. They are probably more open to reality than you realize.

Whichever you choose, remaining underpaid until you no longer can is not an option. It will simply ruin your financial future, and you will eventually leave the church because you have no choice. Your congregation will then realize that they have to give the pastor who follows you a massive raise just to be competitive, and they will probably wish they would have done more to help you.

It’s better to be humbly honest now and let them know what you need. The right people should pay for your church plant… all of the people in it.

Church Planting

Church Plant Tips- Critical Mass

Critical mass refers to the number of people necessary at an event in order for the attendees to feel like there are “enough” people there.

Without critical mass, the people in attendance will feel like the church isn’t exciting and that its not worth their time and effort. Lack of critical mass kills momentum. A reoccurring event without critical mass will demoralize the participants and eventually fizzle out.

Normally, critical mass is only discussed within the context of launching weekly worship services. It is vital to realize, however, that critical mass is important in EVERY step of the church planting process. Church planters who go in thinking they need to have a series of growing events with lots of people present at each one will develop a meth habit. If every single event you plan doesn’t reach critical mass, you will ride an emotional roller coaster as your church plant momentum plummets and rises depending on the event attendance.

Never schedule an event (dinner, launch meeting, Bible study, ministry planning meeting, worship service, etc.) unless you are sure that you will have critical mass at that event. If you schedule an event and don’t have critical mass, it will hurt your momentum, and church plants can’t afford to lose much momentum. You can recover from not having critical mass at events early in your plant, but it is difficult and unnecessary.

So how do you determine critical mass, and how do you make sure you will have it?

Obviously, critical mas differs depending on the event. In most places in America, critical mass for a worship service is probably around 100 people. Critical mass for a small group or Bible study is probably 6-10 people. Critical mass for a dinner party is probably 6-10, as well.

This doesn’t mean that if you invite 6-10 people to a small group that you will reach critical mass! Only half of the people you invite will show up, so you to invite TWICE whatever critical mass is to ensure that you will attain it.

How do you grow enough in the early stages to gain critical mass?

One on one meetings with lots of different people. Meet one on one with people who are interested in the church until you develop critical mass for a dinner event, launch team meeting, etc. Or, host one person or one couple at a time in your home for dinner. Keep meeting one on one until they are committed to the launch team.

Once you have 20 committed people through one on one meetings, then you can schedule an event and plan on 10 people showing up.

If you recently held an event that did not reach critical mass, explain to every person in attendance why it didn’t . Be specific- “X people were out of town, X people were sick, X people had a prior commitment,” etc. Otherwise, the people in attendance will just assume that the church is not worth being a part of.

Get off the emotional roller coaster, and make sure you will have critical mass at every event you plan… or don’t schedule it yet.

Also read “Two Essentials for Church Planting

I’m currently in the process of planting One Church in Chandler, AZ ( There are plenty of how-to church planting books, online resources and conferences. I wanted to share specific tips from my experience that church planters need to know that are often not included in other resources. Hope this helps.