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 projected at roughly $15,150 for single filers and about $30,300 for married couples filing jointly. The calculator also accounts for donor-advised funds, which let 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. 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.

Charitable contributions only pay off if you itemize, so when your total itemized deductions come in below the standard deduction, the giving produces no tax benefit. 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.