Two calculators and a readiness check
Three simple, client-side tools — nothing you enter here is saved or sent anywhere.
Giving plan sizer
Turn a giving goal and a rough timeline into a realistic monthly or per-gift number, the same way you'd plan a campaign.
Assumptions this uses
- Assumes gifts are spread evenly across the planning period you enter
- Does not account for employer matching — add that separately once confirmed
- Does not account for donation platform processing fees, which reduce what the charity actually receives
- US figures only; does not model any tax benefit
Limitations: This is a planning estimate, not a budget recommendation — it does not check whether the target is affordable given your income and debt payments. Use the savings-goal timeline tool below for that check.
Runs entirely in your browser.
Give from what is left, not from what feels generous
A giving budget that survives contact with real life is built on your income minus your fixed debt payments minus a small buffer, not on a round number that felt right in the moment. Run the numbers once, then automate the gift so you never have to decide twice. If your debt payments genuinely do not leave room this year, that is useful information too — a smaller, sustainable gift beats a larger one you cannot keep up.
Giving-budget affordability check
See how a monthly giving amount fits against your take-home pay, current savings, and a target, so the number is grounded in your real numbers, not a guess.
Assumptions this uses
- Take-home pay should be entered after taxes and payroll deductions, not gross income
- This tool does not subtract your fixed debt payments automatically — factor those in before entering your monthly giving amount
- The assumed return rate applies only if you are holding giving funds in an interest-bearing or invested account, such as a donor-advised fund, before granting them out
- US figures only
Limitations: This tool checks whether a monthly giving amount reaches an annual target on your timeline — it does not tell you whether that amount is sustainable given your debt. Read the debt-aware giving budget guide first if you are not sure.
Runs entirely in your browser.
The Debt-Aware Giving Budget Worksheet
A fillable worksheet to size a giving budget around your real income and debt payments, plus the questions to ask before a bigger gift.
Get the free guide →Before you give, checklist
A quick readiness check before a larger gift or a new recurring commitment — five things worth confirming first.
Assumptions this uses
- This checklist reflects general good practice for giving in the United States, not a legal or tax requirement
- Completing every item does not guarantee a charity is legitimate — it reduces the chance of an easily avoidable mistake
Limitations: This is a self-check, not a verification service — it does not independently confirm any of the items on your behalf.
Runs entirely in your browser.
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Carrying high-interest debt alongside your giving goals?
If credit card or personal loan payments are the main thing standing between you and the giving budget you want, it can be worth seeing what a consolidation loan would actually cost versus what you are paying now — before assuming it will help.
Compare loan options →