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Double up your giving, beat the standard deduction.

Compare giving evenly each year against bunching two years of donations into one, and see the two-year tax difference.

Filing status

01 / STATUS

Your giving

02 / GIVING
$
%

Other deductions

03 / ITEMIZED
$
$
$

State and local taxes are capped at $10,000 for the deduction. Standard deduction figures are 2025 amounts ($15,000 single / $30,000 joint); the IRS adjusts them yearly.

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Make the standard deduction work for you.

Enter your giving, other deductions, and tax rate to see if bunching beats giving evenly.

Last reviewed: October 2026.

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Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.