Charitable Giving Optimizer

Charitable Giving Optimizer BETA

Advanced multi-year planning: bunching, carryforwards, QCDs, state tax, growth, and estate effects.

Filing Status

Current AGI ($)

State Tax Rate (%) (0 if none)

Your Age (for QCD)

Total Gift Goal ($)

Time Horizon (years)

Asset Growth Rate (%) per year

Inflation Rate (%)

Appreciated Stock Value ($)

Cost Basis ($)

Holding Period

IRA/401k Balance ($)

Cap Gains Rate (%) incl. 3.8% NIIT

Estate Tax Rate (%) Fed + State

Carryforwards?

Gift Timing

Assumptions: Cash ≤60% AGI/yr; Stock/DAF ≤30% AGI/yr; QCD ≤$105k/yr (2025); carryforwards up to 5 years; bunching front-loads in high-income years; state tax deductible federally.

Output will appear after calculation.