Charitable Donation Bunching Tax Savings Calculator
Enter your annual charitable giving amount, marginal tax bracket, standard deduction, and number of years to bunch to see the potential tax savings from itemizing in a bunched year.
About this calculator
Compare the tax savings of bunching multiple years of charitable donations into a single year versus spreading them out, based on your tax bracket and standard deduction.
Frequently Asked Questions
What is donation bunching?
Donation bunching means combining several years' worth of charitable contributions into a single tax year so your itemized deductions exceed the standard deduction, then taking the standard deduction in other years.
Who benefits most from bunching?
Taxpayers whose annual giving plus other itemized deductions is close to but usually below the standard deduction threshold benefit most, since bunching pushes them over the line in the donation year.
Does this account for donor-advised funds?
This calculator estimates general tax savings; using a donor-advised fund can let you take the deduction in the bunched year while distributing grants to charities over time.