Is Bunching Right for You?
Is Bunching Right for You?
Thoughtful planning, effective giving
H.R. 1, commonly known as the One Big Beautiful Bill Act, was signed into law on July 4, 2025. This sweeping piece of legislation touches nearly every sector of the U.S. economy, including philanthropy. This calculator can help you evaluate whether bunching is a strategy you may want to consider for maximizing tax deductibility while maintaining flexibility for future grantmaking and impact.
Bunching Calculator
Auto-populated based on your filing status
Include mortgage interest, SALT (capped at $10,000), etc. Do not include charitable donations.
The amount you typically donate each year
Your Results
Without Bunching
Giving the same amount each year
With Bunching
Concentrating donations into one year
Based on your inputs, bunching does not increase your total deductions. This typically happens when your itemized deductions already exceed the standard deduction each year without bunching.
* To estimate your potential tax savings from bunching, multiply the net increase in deductions by your marginal tax rate.
** For incomes above $250,000 (single) or $500,000 (household), you may be limited in your SALT deduction, which will affect these results. Please discuss with your advisor.
The information provided is for general informational purposes only and does not constitute legal advice, tax advice or professional guidance of any kind. You should not act upon any information contained herein without seeking the advice of a qualified attorney, certified public accountant or other licensed professional who can evaluate your specific situation.
No professional‑client relationship is created by viewing, using, or relying on this information.