What is the primary tax advantage of a DAF?

You take the full deduction in the year of contribution, even if grants to charities happen years later. This enables bunching — contributing multiple years of giving in one high-income year to exceed the standard deduction threshold.

What is the deduction limit for DAF contributions?

60% of AGI for cash contributions; 30% of AGI for appreciated securities. Excess carries forward for 5 years. No minimum grant requirements, though sponsors typically require grants within a reasonable period.

Can I contribute anything other than cash?

Yes. Publicly traded securities, closely held stock, real estate, cryptocurrency, and other assets can fund a DAF. Appreciated assets donated directly to a DAF avoid capital gains tax entirely.

Donor-Advised Fund (DAF) Tax Calculator

Calculate tax savings from funding a donor-advised fund with cash or appreciated securities. Shows upfront deduction, avoided capital gains, and net cost of charitable giving.

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Frequently Asked Questions

What is the primary tax advantage of a DAF?

What is the deduction limit for DAF contributions?

Can I contribute anything other than cash?