Bunching calculator
This calculator can help you evaluate whether bunching is a strategy you may want to consider for maximizing tax deductibility.
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.