Charitable Gift Financing — ROI Calculator

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
$
$
Auto-calculated at 60% of AGI
Net Tax Savings
$0
After all costs
Total Gift to Charity
$0
10X your out-of-pocket
Return on Investment
0%
Net savings / total cost
Tax Rate Reduction
0%
Effective rate drop
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
Next Step

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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.
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