Contribute cash or assets such as stocks or mutual funds to the DAF, receive an immediate deduction up to AGI limits, invest the balance for tax-free growth, then recommend grants to charities over time.

What are the minimum contribution requirements?

Fidelity Charitable: $5,000 minimum initial contribution. Schwab Charitable: $5,000. Vanguard Charitable: $25,000. Community foundations vary. Account fees are typically 0.6%.

Can I contribute privately held stock or real estate to a DAF?

Yes — this is a significant advantage. Contribute appreciated illiquid assets before sale, avoid capital gains, receive FMV deduction, and the DAF handles liquidation.

Donor-Advised Fund (DAF) Tax Calculator

Calculate the tax benefit of contributing to a donor-advised fund (DAF) vs giving directly. DAFs enable bunching, immediate deduction, and tax-free growth before grants.

Principal ($)

Annual Rate (%)

Years

Compounding / Year

$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.

How to Use

Enter the values for the scenario you are assessing. Calculate the tax benefit of contributing to a donor-advised fund (DAF) vs giving directly. DAFs enable bunching, immediate deduction, and tax-free growth before grants. Use the donor-advised fund result to inform your calculation.

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Frequently Asked Questions

How does a DAF work?

What are the minimum contribution requirements?

Can I contribute privately held stock or real estate to a DAF?