Smart Ways to Give in 2026

Act now to ensure your gifts are eligible for 2026 tax deductions. Different assets have different deadlines

What’s New for 2026 Giving

A new federal law, the “One Big Beautiful Bill Act”, changes how charitable gifts are deducted starting in 2026. Contact your tax advisor for more detailed information.

A small threshold for itemizers

If you itemize your taxes, the first 0.5% of your income that you give to charity no longer counts toward your deduction. For example, with an income of $200,000, the first $1,000 of your giving wouldn’t be deductible.

A limit on tax savings for top earners

If you’re in the top tax bracket, each dollar you give now saves you 35 cents in taxes, down from 37 cents.

The standard deduction remains higher

The standard deduction remains higher and will adjust for inflation each year. For 2026, it’s $32,200 for couples filing jointly. With a higher standard deduction, fewer people will itemize.

A new deduction if you don't itemize

Beginning in 2026, you can deduct up to $1,000 in gifts to charity ($2,000 for couples) even if you don’t itemize. Gifts to donor-advised funds don’t qualify, but gifts to other SDF funds, programs and initiatives can.

Connect with Your Giving Team to Learn More

Contact your Giving Team at (619) 814-1332 or [email protected].

2026 Year-End Deadlines

Refer to the critical dates below to ensure that your clients gifts are received and processed by December 31, the IRS deadline for yearly tax deduction eligibility. For some assets, these dates fall in November.

Mutual Funds


Must arrive to San Diego Foundation by

November 23


Instructions

Grants


To be postmarked by Dec. 31, must arrive to SDF by

December 17, 12:00pm


Instructions

Stock


Must arrive to SDF brokerage accounts by

December 30, 12:00pm


Instructions

Wire or Electronic Bank Transfer


Funds must be received by

December 31


Instructions

Credit Card


Must be submitted online by

December 31, 11:59pm

Or, by phone/in-person by

December 31, 12:00pm


Instructions

Check


Must be postmarked by

December 31

Or, hand delivered by

December 31, 12:00pm


Instructions

IRAs / QCDs / RMDs


Deadlines are dependent on IRA contribution type and custodian.

Here to Support Your Giving

Our Giving Team is here to help you make the most of your giving this November and December.
We can support you in many ways, including:
  • Making a contribution to your fund, including stock, mutual funds, wires and IRA gifts
  • Recommending grants and finding nonprofits that match the causes you care about
  • Learning what we’re seeing across San Diego in family well-being, education, environment and housing
  • Helping you navigate and use the MySDF Donor Portal

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