IRC §170 cited · Schedule A

Charitable Giving Strategy Optimizer

Bunch, itemize, or carryforward. Find the move that puts more in the cause and less in tax.

Adjusted Gross Income (AGI)

Filing status

Cash donations (public charity)

Appreciated stock (LTCG, public charity)

Donor-Advised Fund contributions

Other Schedule A deductions (SALT capped $10K, mortgage int, etc.)

Your Schedule A snapshot

Itemized total

Standard deduction

Better choice

Extra benefit by itemizing

AGI Limits used (IRC §170(b))

Cash to public charity: 60% AGI = $0

LTCG stock to public charity: 30% AGI = $0

Private foundation cap: 20% AGI = $0

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5-year carryforward (any excess over AGI limits)

Excess this year: $0. Usable years 2026, 2027, 2028, 2029, 2030 per IRC §170(d)(1).

Estimates only. AGI limits and carryforward order interact with other Schedule A items. Have us run the real numbers. Phone 689-331-5723.