Charitable Giving Tax Optimizer

FREE

Maximize your charitable impact and tax savings with smart giving strategies

Tax Strategy

Enter your information

1Enter your income, tax rates, and current charitable giving (cash donations)
2Add appreciated stock you could donate (if applicable) with cost basis
3Enable advanced strategies: Donor-Advised Fund (bunching), or QCD for age 70.5+
4Compare cash-only giving vs optimized strategies (stock donation, DAF, QCD)
5See total tax savings from deductions AND avoided capital gains taxes

•Cash donations are tax-deductible if you itemize (not with standard deduction)
•Appreciated stock donations: deduct FMV + avoid capital gains tax on appreciation
•Donor-Advised Fund bunching: contribute 3 years worth in year 1, itemize that year
•QCD (age 70.5+): up to $100k/year from IRA directly to charity, reduces taxable income
•Assumes stocks held >1 year qualify for long-term capital gains treatment
•Does not include state tax benefits or AMT considerations
•Assumes you have sufficient taxable income to utilize deductions

✓Upload brokerage statements - AI identifies appreciated stock with best tax savings
✓Ask AI Copilot: "Should I donate stock or cash?" Get instant comparison with your specific holdings
✓Upload tax returns - AI calculates optimal bunching schedule based on deduction history
+5 more

Fill in the inputs to see your results

Enter your data to calculate

1Enter your income, tax rates, and current charitable giving (cash donations)
2Add appreciated stock you could donate (if applicable) with cost basis
3Enable advanced strategies: Donor-Advised Fund (bunching), or QCD for age 70.5+
4Compare cash-only giving vs optimized strategies (stock donation, DAF, QCD)
5See total tax savings from deductions AND avoided capital gains taxes

✓Upload brokerage statements - AI identifies appreciated stock with best tax savings
✓Ask AI Copilot: "Should I donate stock or cash?" Get instant comparison with your specific holdings
✓Upload tax returns - AI calculates optimal bunching schedule based on deduction history
✓AI recommends which charities accept stock donations and provides transfer instructions
✓Model multi-year giving strategies: bunching every 2-3 years to maximize deductions
✓Compare Donor-Advised Funds (Fidelity, Schwab, Vanguard) with fee analysis
✓Get alerts when stock gains exceed thresholds for tax-efficient charitable donations
✓Export giving strategy summary to share with accountant or financial advisor

AI Curbside

Hi! I'm your AI financial advisor for physicians. Loading your personalized dashboard...