Year-End Charitable Giving Tax Deduction Calculator (2026 Rules)

Filing status

Adjusted gross income (AGI) for 2026 ($)

Your other itemized deductions, not counting charity ($)

Mortgage interest, state and local taxes, medical costs, etc. Leave at 0 if you expect to take the standard deduction.

Cash gifts to qualifying charities in 2026 ($)

Estimated federal tax saved by your gifts $0

Route that works best--

Extra deduction your gifts create--

2026 standard deduction--

Savings by tax bracket

If your top bracket were each of these, this is roughly what your gifts would save.

Bracket	Estimated savings

Educational estimate, not tax advice. Federal income tax only; cash gifts to qualifying public charities (donor-advised funds and supporting organizations do not qualify for the non-itemizer deduction). It does not model state tax, AMT, the 60%-of-AGI cash limit, carryforwards, or non-cash gifts. Gifts must be made by December 31, 2026. Talk to a tax professional before relying on it.

Estimate how much federal tax your 2026 cash gifts to charity could save under the new rules: the $1,000/$2,000 non-itemizer deduction, the 0.5%-of-AGI floor for itemizers, and the 35% value cap for the top bracket.

This tool is for informational purposes only and is not a substitute for professional financial or medical advice. Consult a qualified professional before making decisions. See our Disclaimer.

How it works

Choose your filing status and enter your AGI, other itemized deductions, and planned cash gifts
See which route works best, standard deduction with the new non-itemizer deduction or itemizing
Read your estimated tax savings and the savings at each tax bracket

Frequently asked questions

What changed for charitable giving in 2026?

Under the One Big Beautiful Bill Act, starting with tax year 2026 people who take the standard deduction can deduct up to $1,000 of cash gifts ($2,000 married filing jointly). Itemizers can only deduct gifts above 0.5% of AGI, and the tax value of itemized deductions is capped at 35 cents per dollar for people in the 37% bracket.

Which gifts count for the non-itemizer deduction?

Cash gifts to eligible charities made during the tax year. Gifts to donor-advised funds and supporting organizations do not qualify, and non-cash gifts such as clothing or stock do not count.

Where do the 2026 standard deduction and brackets come from?

IRS Revenue Procedure 2025-32: standard deduction $16,100 single and $32,200 married filing jointly, with the 2026 bracket thresholds published on irs.gov.

Is this tax advice?

No. It is an estimate of federal income tax only. It does not model state tax, AMT, the 60%-of-AGI cash limit, carryforwards, or non-cash gifts. Talk to a tax professional about your situation.

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