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Stock vs. Cash Donation Calculator

Stock vs. Cash
Donation Calculator

Cash isn’t always king. Calculate how much more you can save on taxes by donating stocks, ETFs, and mutual funds instead of cash.

How much do you want to donate?

$Currency USD
20,000.00

What is your most appreciated stock, ETF, or mutual fund?

$Currency USD
228.52
$Currency USD
182.00

Save $10,200 in taxes by donating AAPL shares

$1,340
$8,860
Total $10,200

Income tax deduction of donation

Additional capital gains tax savings

The information provided by the Stock vs. Cash Donation Calculator is for general information and estimation. This estimate is based on a marginal federal income tax rate of 35% and a California marginal state tax of 9.3% as well as capital gains taxes of 20% on federal taxes, 9.3% on state taxes, and 3.8% Medicare tax. Please note that the information is for educational purposes only and should not be considered tax advice. Any calculations are intended to be illustrative and do not reflect all of the potential complexities of individual tax returns. To assess your specific tax situation, please consult with a tax professional.

Donate that Apple Inc. Common Stock stock today

With Daffy, a modern donor-advised fund provider, you can contribute the stock, get the tax deduction now, and distribute the funds to nearly any U.S. charity anytime, all from one place.

Avoid capital gains taxes

As long as you've owned the stock for more than a year and it has appreciated in value, you'll avoid paying capital gains taxes and receive a tax deduction for the full market value of the stock in the year it was donated.

It’s a win for charities too

Charities don’t have to pay capital gains taxes. That means they receive the full value of your stock. You get the full deduction and they benefit by receiving your entire donation amount.

Grow your impact, tax‑free

When you contribute to a DAF like Daffy, you get a tax deduction upfront and have time to determine which organizations to support. Plus, your funds aren't stagnant — they're invested tax-free in our portfolios — so you can send more money to charities over time.

Donate to nearly any U.S. charity

The majority of charities don’t accept stock or index funds directly. With Daffy, you can contribute complex assets easily and donate to nearly any charity, school, or religious institution in the U.S., from one place.

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