Cash or Stock

Gift Amount:
Cost Basis: The amount you purchased the stock for.
Tax Bracket:

A cash gift or the same amount in appreciated securities both generate the same charitable deduction.

But if you use publicly-traded stocks, bonds or mutual fund shares that you have held for a year or longer to make your gift, you will receive an additional tax benefit: the IRS allows you to make your transfer to a charity without recognizing capital gains on the appreciation. You can thus leverage a larger donation than you could make with cash — and receive a larger tax benefit — by "buying low and giving high."

The Ultimate Quick Reference Planned Giving Pocket Guide

Slip this handy booklet into your pocket before your next round of prospect calls. It's not another ways-of-giving brochure — it's a "why's of giving" that helps you better understand the upside and downside of different giving options for both you and your prospects.

It's the reference "for the rest of us!"

This tax savings calculator is to be used for illustration purposes only. Actual tax savings and benefits will vary for each individual based upon his or her tax situation, and these differences may be significant. The amount of your deduction is limited to 50% of your adjusted gross income and may be limited to 30% or 20% of your adjusted gross income, depending on the type of property you give and the type of organization you give it to. You should consult a CPA, attorney, or other qualified tax professional to determine the benefits available to you when making a charitable gift.

Read Full Disclaimer

Your Results

A gift of stock valued at $0.00 and a basis of $0.00 in the 0% tax bracket would result in a $0.00 savings over the same size gift of cash.

Gift of StockGift of Cash
Gift Amount:$0.00$0.00
Income Tax Savings:$0.00$0.00
Capital Gains Tax Avoided:$0.00None
Total Tax Savings:$0.00None
Net Cost of Your Gift:$0.00$0.00
Hide Me
Hide Me