Free calculator · United States · 2026 rules

Charitable giving calculator, 2026 rules

The short answer: from 2026, standard-deduction filers can deduct up to $1,000 ($2,000 joint) of cash gifts, itemizers lose the first 0.5% of AGI to a new floor, and givers aged 70½+ can skip the whole system with a qualified charitable distribution. This tool shows what your gifts actually save under each route.

Adjusted gross income$90,000/yr

Cash gifts to charity this year$5,000

Cash gifts to public charities. Gifts to donor-advised funds do not qualify for the non-itemizer deduction.

Deductible amount

$1,000

Estimated federal saving

$220

Above the cap (no deduction)

$4,000

Route

Standard + $1k/$2k

What changed in 2026: standard-deduction filers get a new deduction for cash gifts, up to $1,000 single or $2,000 joint. Itemizers now lose the first 0.5% of AGI ($450 for you) before anything counts, and top-bracket donors have the benefit capped at 35 cents per dollar. The planning consequence is timing: bunching two or three years of gifts into one year clears the floor once instead of paying it annually. State tax not included.

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Educational information, not financial advice. Figures current as of July 2026 where dated; allowances and rates change, so check the source before acting.