Your Tax Savings Calculator

⚠️ Important Legal Notice — Please Read Before Using This Tool

Not Tax, Legal, or Financial Advice. This calculator is provided by Donors Collective, a 501(c)(3) non-profit organization, solely for general informational and educational purposes. Nothing on this page constitutes, or should be construed as, tax advice, legal advice, financial advice, or an offer to provide any professional services. The results generated are estimates only and are not a substitute for personalized guidance from a qualified Certified Public Accountant (CPA), Enrolled Agent (EA), tax attorney, or licensed financial advisor who is familiar with your complete financial situation.

No Reliance; No Liability. Donors Collective, its officers, directors, employees, volunteers, and affiliated organizations expressly disclaim all liability for any loss, damage, penalty, or tax liability of any kind arising from your use of, or reliance on, the estimates or information produced by this calculator. You use this tool entirely at your own risk. Any financial or tax decisions you make based on this tool's output are solely your own responsibility.

Accuracy & Completeness Not Guaranteed. Federal and state tax laws, rates, brackets, and deduction rules change frequently. While Donors Collective makes reasonable efforts to keep this tool current, we do not represent or warrant that any information or calculation is accurate, complete, current, or error-free. This tool uses simplified approximations: (a) state tax estimates use top marginal rates and may not reflect your specific bracket, filing status variations, exemptions, credits, or surcharges; (b) calculations do not account for the Alternative Minimum Tax (AMT), Net Investment Income Tax (NIIT), self-employment tax, phase-outs, recapture provisions, carry-forward limitations, multi-state filing requirements, or any other individual circumstances; (c) estimates for capital gains use simplified long-term rates and do not account for short-term gains, wash-sale rules, or state-level capital gains treatment; and (d) all charitable deduction calculations are subject to substantiation requirements under IRC §170 — you must obtain a contemporaneous written acknowledgment from any charity for donations of $250 or more.

Current Tax Year Data. Tax bracket data is automatically fetched from a maintained data source at page load. A "Tax Year" indicator is displayed in the Tax Bracket Analysis panel. If data cannot be fetched, the calculator falls back to built-in 2026 IRS data (Revenue Procedure 2025-32) and OBBBA charitable deduction rules effective January 1, 2026. Always verify the displayed tax year before relying on any estimate.

No Attorney-Client, CPA-Client, or Advisory Relationship. Use of this tool does not create any professional relationship between you and Donors Collective or any of its staff. Donors Collective is not a registered investment advisor, broker-dealer, tax preparer, or law firm. No fiduciary duty is created by your use of this tool.

IRS Circular 230 Disclosure. To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. federal tax information contained in this communication (including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed herein.

Consult a Professional. The complexity of U.S. tax law means that even small differences in your individual circumstances can produce significantly different outcomes from any estimate. We strongly recommend consulting a licensed tax professional before making any charitable giving, investment, or tax-planning decision.

© 2026 Donors Collective. EIN: 39-3645254. A registered 501(c)(3) non-profit organization. This tool is provided "as is" without warranty of any kind, express or implied. By using this calculator you acknowledge that you have read, understood, and agreed to this disclaimer in its entirety.