What does your giving save you at tax time?

Donations to your church are deductible if you itemize. See what your giving really costs after the tax savings.

Your giving

01 / DONATIONS

Annual donations to church / charity ($)

Federal marginal tax rate (%)

State marginal tax rate (%, 0 if none)

Do you itemize deductions (rather than taking the standard deduction)?Yes

Charitable deductions only help if you itemize. Taking the standard deduction? Your giving saves $0 on taxes — the calculator will show it honestly.

Email my results

Calculate to activate the email and copy buttons. Your entries stay in this tab and are not saved.

Giving has a price tag.

Enter your annual donations and tax rates to see the true after-tax cost of your generosity.

ESTIMATED TAX SAVED

—

AFTER-TAX COST——

COST PER $100 GIVEN——

EFFECTIVE SAVINGS RATE——

Where the savings come from

The bunching trick

If your giving alone doesn't beat the standard deduction, consider giving two years' worth in one year — then taking the standard deduction the next. Same generosity, bigger tax benefit.

Tax note: Charitable contributions — including tithes to a church — are deductible only if you itemize on Schedule A. If you take the standard deduction, your giving saves nothing on taxes (the calculator shows this). Deduction bunching — giving two years' worth in one year — can push itemizers over the standard deduction threshold. Rules shown are as of 2026; verify with IRS.gov or a tax professional.

Educational estimate, not tax advice.