Should I bunch charitable donations?
Yes if you itemize. With standard deduction now $14,600 single / $29,200 MFJ, smaller annual donations rarely beat the standard deduction. Bunching 2-3 years of giving into one year via a Donor-Advised Fund lets you itemize that year and take the standard deduction in others.
More context
Yes if you itemize. With standard deduction now $14,600 single / $29,200 MFJ, smaller annual donations rarely beat the standard deduction. Bunching 2-3 years of giving into one year via a Donor-Advised Fund lets you itemize that year and take the standard deduction in others. The exact answer depends on your specific situation — the numbers above are a strong starting point, but the right next step is to plug in your actual figures.
For a deeper analysis, use one of the related tools below — they take your specific income, debt, location, and goals as inputs and produce a tailored answer.