1. Giving Information
  2. Results
  3. Action Plan

Tell us about your current annual charitable giving:

Current annual donations to charity:

Enter how much you currently give annually. This will also be the amount that you expect to come out of your charitable giving solution annually

What should I include in this value?

Most of your annual tax-deductible charitable donations, like those to:

  • Large national, charitable organizations.
  • Support an alma mater, your church, synagogue or other religious house of worship.
  • Any other qualified charities including arts, healthcare, environmental or community organizations.

What should I not include?

  • Donations of tangible personal property, such as furniture and clothing, or time spent as a volunteer.
  • Donations that include some exchange or personal benefit: tickets to attend events or fundraisers, goods purchased at charitable auctions, or payments made to support a scholarship for a related individual.

Tell us about your tax situation and how you might fund a charitable giving solution over time:

Expected federal income tax rate:

This value will be used for the duration of this model to calculate your potential income tax deductions for making contributions to qualified charities and to your charitable giving solution.

Note: The calculator cannot take into account any variations in your tax rate from year to year or the impact of any other limitations to deductions based on your specific tax situation. The calculator does not account for the treatment of any state, local, foreign or alternative minimum taxes. The calculator also does not account for phase-out rules for federal tax deductions or charitable deduction limits based on adjusted gross income.

Expected federal long-term capital gains tax rate:

Select the 15% federal long-term capital gains rate if you have 1.) taxable income of $400,000 or less with tax filing status of Single or 2.) taxable income of $450,000 or less with tax filing status of Married Filing Jointly. The 15% long-term capital gains rate applies to taxpayers subject to the 25%, 28%, 33% and 35% federal income tax rates.

Select the 20% federal long-term capital gains rate if you have 1.) taxable income above $400,000 with tax filing status of Single or 2.) taxable income above $450,000 or less with tax filing status of Married Filing Jointly. The 20% long-term capital gains rate applies to taxpayers subject to the 39.6% federal income tax rate.

Select "Not Applicable" if you are donating cash and/or do not expect to contribute any long-term appreciated securities.

Please note that the federal long-term capital gains tax rates depicted in this tool do not take into consideration that long-term capital gain income may also be subject to an additional 3.8% Medicare tax for taxpayers with income at or above a certain threshold.

Initial contribution to a charitable giving solution:

Enter how much you will contribute to establish a charitable giving solution.

If your contribution will not be made with cash, enter the fair market value of the asset you wish to contribute.

You may also make a series of additional contributions over time. If you choose to do so, enter your first year's contribution in this field and tell us more about your future contributions in the fields below.

Amount of long-term gains in initial contribution:

Enter how much of your initial contribution will represent long-term capital gains (generally gains on assets held longer than one-year) for federal income tax purposes.

If you will be contributing only cash, this value should be 0.

Note: The calculator assumes that additional charitable contributions will be composed of the same proportion of long-term capital gains as your initial contribution unless the box beside "Future contributions will be cash only" is checked.

Annual charitable contributions beyond initial contribution:

Enter how much you will contribute to your charitable giving solution in subsequent years.

These contributions will begin in the year following the establishment of the charitable giving solution and continue for the number of years specified in the following field.

Note: The calculator assumes that additional charitable contributions will be composed of the same proportion of long-term capital gains as your initial contribution unless the box below "Will future contributions be cash only" is checked.

Number of additional years contributing:

Enter how many years you plan to make additional charitable contributions to your charitable giving solution.

These contributions will begin in the year following the establishment of your charitable giving solution and continue for the number of years specified.

Future contributions will be cash only:

Check this box if additional charitable contributions will be made with cash instead of appreciated assets.

If future contributions will consist of appreciated assets, do not check this box.

Note: When this box is not checked, the calculator assumes that additional charitable contributions will be composed of the same proportion of long-term capital gains as the initial contribution.

Tell us how charitable balances in your charitable giving solution might be invested to meet your charitable giving goals:

Preferred investment approach:

With donor advised funds and private foundations, charitable balances can often be invested to potentially grow before being granted to charities.

Generally, for longer-term planning, use an asset allocation with more equity; for shorter timeframes, consider an allocation with more short-term/money markets and bonds.

Asset Allocations:

  Short-Term/ Money Mkts Bonds Equity
Conservative Income 30% 50% 20%
Income 20% 50% 30%
Moderate Income 15% 45% 40%
Balanced 10% 40% 50%
Moderate Growth 5% 35% 60%
Growth 5% 25% 70%
Aggressive Growth 0% 15% 85%

For more information, review our methodology.

Need help? Look here.

As you fill in the information requested this space will update to provide supporting information, tips, and additional instructions to assist you.