Charitable Gift Financing — ROI Calculator

Wealth Excel

Charitable Gift Financing ROI Calculator

Estimate your tax savings and net benefit from leveraging Charitable Gift Financing

Charitable Gift Financing allows you to make a charitable donation with only 10% out of pocket, while a specialized lender finances the remaining 90%. You receive an immediate tax deduction on the full gift amount under IRC §170(a).

2026 Tax Law Update: A non-deductible floor equal to 0.50% of AGI is subtracted from the charitable deduction (the gift itself is not reduced). The maximum federal bracket applied to charitable deduction savings is capped at 35%.

Your Financial Profile

Quick Scenarios

Adjusted Gross Income (AGI) ?

Filing Status

State of Residence

Gift Amount ?

Auto-calculated at 60% of AGI

Net Tax Savings

After all costs

Total Gift to Charity

10X your out-of-pocket

Return on Investment

Net savings / total cost

Tax Rate Reduction

Effective rate drop

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See the side-by-side tax comparison, full savings breakdown, dollar-allocation chart, and multi-year impact analysis. Submit your info and a Wealth Excel advisor will reach out shortly with your personalized, client-ready proposal.

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Current Situation

Adjusted Gross Income$0

(-) Standard Deduction$0

Taxable Income$0

Federal Tax$0

State Tax$0

Effective Tax Rate0%

Estimated Total Tax$0

With Charitable Gift Financing

Adjusted Gross Income$0

(-) Standard Deduction$0

(-) Charitable Gift$0

Non-Deductible Floor (0.50% of AGI)$0

Net Charitable Deduction$0

Taxable Income$0

Federal Tax$0

State Tax$0

Effective Tax Rate0%

Estimated Total Tax$0

Savings Breakdown

Federal Tax Savings (35% cap applied)$0

State Tax Savings$0

Gross Tax Savings$0

Includes non-deductible floor reduction of$0

(-) Your Contribution (10%)10%($0)

(-) Fees & Costs($0)

Net Tax Savings$0

Where Each Dollar Goes

Impact Visualization

10X giving amplification

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Disclaimer: This calculator provides estimates for illustrative purposes only and does not constitute tax, legal, or financial advice. Actual results will vary based on individual circumstances, current tax law, and other factors. The charitable deduction is subject to AGI limitations under IRC §170. Under 2026 rules, a non-deductible floor equal to 0.50% of AGI reduces the charitable deduction (not the gift amount), and the federal tax benefit is capped at the 35% bracket. State taxes are estimated using progressive bracket calculations. Consult with a qualified tax professional before making any financial decisions. © 2026 Wealth Excel, LLC. All rights reserved.