Free online Charitable Donation Tax Calculator. Calculate tax savings from your donations. Supports cash, stock, and property gifts. | No Signup · Data Never Leaves Your Device
Zero Dependencies · Works OfflineFree online Charitable Donation Tax Calculator to estimate how much you can save in taxes from charitable giving. Supports cash, stock/securities, and physical property donations. Automatically checks AGI limits and helps you decide whether itemizing beats the standard deduction.
Year-End Tax Planning：Assess the tax impact of charitable donations before year-end to decide how much and what type to give for maximum tax savings.
Appreciated Asset Giving：Compare donating cash vs. appreciated stock — stock donations often save significantly more by also avoiding capital gains tax.
Donor-Advised Fund (DAF) Strategy：Evaluate whether bunching multiple years of donations into one year (to exceed the standard deduction) is advantageous when combined with a DAF.
Charitable donations reduce your taxable income through itemized deductions. Tax savings = donation amount × your marginal tax rate. For example, donating $10,000 at 24% saves $2,400 in taxes. Donating stock also eliminates capital gains tax — an additional benefit.
Cash donations can deduct up to 60% of AGI; appreciated assets (stocks, etc.) up to 30%. Excess amounts carry forward up to 5 years. This calculator automatically checks AGI limits.
Donating long-term appreciated stock saves more — you deduct the full market value AND avoid capital gains tax. Example: $10,000 stock (cost basis $2,000). Cash saves $2,400. Stock saves $2,400 + $1,200 capital gains avoided = $3,600 total.
Itemizing only makes sense when total itemized deductions (including donations) exceed the standard deduction. 2025 standard deduction: Single $15,000, MFJ $30,000. This calculator helps you decide if itemizing is worthwhile.