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charity: if i donate to charity in 2025, how can i get benefit without itemizing?

charity: if i donate to charity in 2025, how can i get benefit without itemizing?

2025...i think no deduction

 

2026: thee is tax deduction for charity

 

if i donate in 2025, i want to get some benefit

how can i get benefit in 2025?

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7 Replies
SwapnaM
Employee Tax Expert

charity: if i donate to charity in 2025, how can i get benefit without itemizing?

Yes, you are correct that the key changes for non-itemizers, including the new "above-the-line" charitable deduction, do not take effect until the 2026 tax yearThe above-the-line charitable deduction (up to $1,000 for singles / $2,000 for MFJ) does not take effect until 2026.

 

This means that for a donation you make in 2025, the rules remain largely the same as they have been for the past few years. If you do not itemize your deductions, you will not be able to claim a deduction for your charitable contributions in 2025.

 

  • Combine multiple years of charitable giving into one large donation in 2025.
  • This may push your deductions above the standard deduction, allowing you to itemize and claim the full charitable deduction.
  • The new, higher State and Local Tax (SALT) cap may help: If you have high property taxes or state income taxes, the new temporary cap of $40,000 on the SALT deduction (for eligible taxpayers) might make it more worthwhile to itemize for 2025.

@samsiyer Thanks for the question!!

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charity: if i donate to charity in 2025, how can i get benefit without itemizing?

is there a way to donate in 2025 for 

Tax Year 2026

 

 

if not

what are the tax benefits of donating items in 2026?

 

Thanks YOU

 

 

Terri Lynn
Employee Tax Expert

charity: if i donate to charity in 2025, how can i get benefit without itemizing?

 

The rules for charitable deductions have changed recently.. Here is a summary of the current rules and how you can get a tax benefit for your charitable donations.

 

For Tax Year 2025

For the 2025 tax year, there is a way to get a benefit from your charitable donations even if you don't itemize.

  • Deduction for Non-Itemizers: You can take a special deduction for your charitable contributions.
    • Single filers: Up to $1,000 in cash donations.
    • Married couples filing jointly: Up to $2,000 in cash donations.
    • This is an "above-the-line" deduction, meaning it reduces your taxable income directly, and you can claim it in addition to taking the standard deduction.
  • Qualified Charitable Distributions (QCDs): If you are 70½ or older, you can make a tax-free distribution directly from your IRA to a qualified charity.
    • This is not a deduction, but it is a major benefit because the money is not counted as taxable income.
    • It can also count towards your Required Minimum Distribution (RMD).
    • Learn more about QCDs from the IRS.

Looking ahead to Tax Year 2026:

Beginning in 2026, the rules for charitable deductions are changing again.

  • Deduction for Non-Itemizers: The deduction for cash donations for non-itemizers will continue. The limits will be $1,000 for single filers and $2,000 for married couples filing jointly.
  • Changes for Itemizers: A new rule will affect itemizing taxpayers. You can only deduct the portion of your charitable contributions that exceeds 0.5% of your Adjusted Gross Income (AGI). This means small donations might 

To benefit from a donation in 2025 without itemizing, you will want to:

  • Make sure your donation is a cash contribution to a qualified public charity.
  • Keep a record of your donation (like a bank record or a written acknowledgment from the charity).
  • Claim the special deduction for non-itemizers when you file your 2025 tax return.

For more information see:

Please feel free to reach out with any additional questions.
Thank you for joining us today and have an amazing rest of your day!

**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer.”might have!

 

Terri Lynn
SwapnaM
Employee Tax Expert

charity: if i donate to charity in 2025, how can i get benefit without itemizing?

Unfortunately, no. The IRS rules on charitable deductions are based on the date the donation is made. To get a tax benefit for a donation, you must claim it in the tax year in which the donation was made.

 

Charitable donations in 2026 for non-itemizers:

  • Starting in 2026, you can deduct up to:
    • $1,000 (Single)
    • $2,000 (Married Filing Jointly)
  • only for cash contributions. You will not be able to claim a deduction for donated items if you take the standard deduction.

 

Charitable donations in 2026 for itemizers:

  • AGI Floor: You must donate more than 0.5% of your AGI before any charitable deduction counts.
  • If you choose to itemize your deductions in 2026, you will still be able to deduct the fair market value of donated items.

@samsiyer Hope this helps!! Thanks for attending the event!!

 

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charity: if i donate to charity in 2025, how can i get benefit without itemizing?

is there a way to DOWNLOAD all the question/answer in today session of

"Ask the Experts"

into pdf/word document etc

for Later OFFLINE viewing and reading later at Tax time

 

answer to this would help a lot as there are too many things to absorb now

 

Pls HELP with the above Question

 

KarenL
Employee Tax Expert

charity: if i donate to charity in 2025, how can i get benefit without itemizing?

Unfortunately, there is currently not a way to download all of the questions from the events. Shortly after the event ends, they will get bulk-moved to the Get Your Taxes Done Community forum.

**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
Terri Lynn
Employee Tax Expert

charity: if i donate to charity in 2025, how can i get benefit without itemizing?

Although there is no way to directly download the questions and post, members of the TurboTax Community, can bookmark pages or posts to refer to later. This feature is often referred to as "bookmarking" or "flagging." Here are the general steps:

  • Go to the post or page you want to bookmark.
  • Look for the three vertical dots in the left hand corner on the post itself.
  • Click on the icon or menu, and select, Bookmark.

Then to view the bookmarked items: 

  • Go to your Profile or My Settings, in the right hand corner of the page.
  • Then navigate to the Subscriptions & Notifications section in the drop down menu.
  • Look for the My Bookmarks section to see a list of your saved posts and pages.

Hopefully this helps!

Terri Lynn

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