Charitable Donation Tax Calculator

Both cash gifts and donations of appreciated stock can produce a tax deduction, and this tool estimates what yours might be worth. The size of any benefit depends heavily on whether your itemized deductions clear the standard deduction, which for 2026 is $16,100 for single filers and $32,200 for married couples filing jointly. There is no separate donor-advised fund option: a gift to a fund is entered as cash or stock like any other gift, and the fund lets you lock in a deduction now while deciding later where the grants ultimately go.

Your deduction is figured from the type of gift and your Adjusted Gross Income (AGI). Cash given to public charities is generally deductible up to 60% of your AGI, while appreciated long-term capital gain property such as stock is typically capped at 30% of AGI. From 2026 two One Big Beautiful Bill Act rules shrink the result: itemizers can deduct only the part of their gifts above 0.5% of AGI, and in the 37% bracket each deducted dollar saves at most 35 cents. Donor-advised funds usually fall under the same AGI limits as direct gifts to public charities, with the added flexibility of separating the timing of the tax deduction from the actual grant-making.

The full deduction only pays off if you itemize. From 2026, people who take the standard deduction can still deduct up to $1,000 ($2,000 for married couples filing jointly) of cash given to public charities, though not gifts to donor-advised funds; this calculator models the itemized route. For appreciated stock, the deduction is generally based on fair market value rather than what you originally paid, and solid records for every contribution matter if your return is ever audited. Gifts to private foundations operate under their own AGI limits, which differ from the figures above.