Charitable Deduction for Non-Itemizers Calculator 2026 ($1,000 / $2,000)
Take the standard deduction and still write off cash gifts — up to $1,000 single or $2,000 married.
Non-itemizer charitable deduction calculator
Beginning in tax year 2026, taxpayers who take the standard deduction can deduct up to $1,000 (single) or $2,000 (married filing jointly) of cash gifts to qualifying charities — a permanent additional deduction available to eligible taxpayers who do not itemize. Only cash to public charities counts; donor-advised funds, private foundations, and non-cash gifts are excluded. Enter your gifts above to estimate your deduction.
About 90% of taxpayers take the standard deduction and get no tax benefit for charitable giving. The OBBBA fixes that: starting in 2026, non-itemizers can deduct up to $1,000 ($2,000 married filing jointly) of cash gifts on top of the standard deduction. It's permanent, unlike the temporary pandemic-era version.
The calculator above caps your entered gifts at the limit for your filing status. Only cash contributions to qualifying 501(c)(3) public charities count.
What qualifies (and what doesn't)
- Cash gifts (including check and card) to qualifying 501(c)(3) public charities — qualify.
- Gifts to donor-advised funds and most private foundations — excluded.
- Non-cash gifts (clothing, household goods, appreciated stock) — do not count for this deduction.
- Keep bank records or written acknowledgments for every gift.
Give more than the cap? Consider bunching
If your annual giving is well above $1,000/$2,000, the non-itemizer deduction leaves value on the table. In that case, itemizing — possibly with a bunching strategy — can capture the full deduction. See the bunching and donor-advised-fund guide for how that works.
Frequently asked questions
Can I deduct charity without itemizing in 2026?
Yes. Starting 2026, non-itemizers can deduct up to $1,000 (single) / $2,000 (married filing jointly) of cash gifts to qualifying public charities, on top of the standard deduction.
What donations qualify?
Only cash contributions to qualifying 501(c)(3) public charities. Donor-advised funds, most private foundations, and non-cash gifts (goods, stock) are excluded.
Is this deduction permanent?
Yes. Unlike the temporary 2020–2021 version, the OBBBA non-itemizer charitable deduction is permanent beginning in tax year 2026.
What if I give more than $2,000?
The non-itemizer deduction caps at $1,000/$2,000. If you give substantially more, itemizing (often via bunching or a donor-advised fund) may capture the full amount — see the bunching guide.
IRS sources & verification
Last reviewed July 12, 2026.