Bunching and Tax Savings Calculator
Does bunching contributions make sense for you?

The Tax Cuts and Jobs Act brought big changes when it passed in December 2017. The standard deduction nearly doubled, and many itemized deductions were capped or eliminated completely.

The good news is that charitable donations are still tax deductible, for those who itemize. So even though the standard deduction has increased, donors may find they can maximize their tax benefits by using what’s called a “bunching" strategy.

Bunching means concentrating several years' worth of your charitable contributions into one year, itemizing deductions that year to benefit from extra tax savings, then taking the standard deduction in the other years. And it can make a lot of sense—but only when the math adds up. Would it be effective for your situation? Let’s run the numbers.

Bunching and Tax Savings Calculator¹

Pick your filing status and the corresponding standard deduction:

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