US charitable deductions apply only if you itemize — most tax filers now take the standard deduction insteadWe are a planning and education site, not a nonprofit, a broker, or a tax preparerThis site covers United States rules, tax figures and lending products onlyAbout one-third of large employers match employee charitable donations, and most eligible employees never claim itA sustainable giving plan starts with your debt payments, not just your incomeUS charitable deductions apply only if you itemize — most tax filers now take the standard deduction insteadWe are a planning and education site, not a nonprofit, a broker, or a tax preparerThis site covers United States rules, tax figures and lending products onlyAbout one-third of large employers match employee charitable donations, and most eligible employees never claim itA sustainable giving plan starts with your debt payments, not just your income

Free download

The Debt-Aware Giving Budget Worksheet

This free download walks through the same debt-aware method used across this site: what to subtract before you set a giving number, how to check a charity, and what to ask before a recurring commitment or a larger one-time gift.

A fillable worksheet to calculate your real discretionary giving budget
The exact questions to ask before donating to an unfamiliar charity
A plain explainer on tax deductibility and itemizing
Official US sources for verifying charity registration and tax rules

No payment, no account, no waiting for an email — the PDF downloads the moment you submit.

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