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MMeunier
January 09, 2026

A New Tax Incentive Makes Giving Easier for More People in 2026

| Blog | A New Tax Incentive Makes Giving Easier for More People in 2026

The big change: a charitable tax break returns for standard-deduction filers

A key benefit for donors in the One Big Beautiful Bill Act is that it brings back a charitable tax incentive for people who take the standard deduction – which is the vast majority of taxpayers. (IRS)

In plain terms: starting with the 2026 tax year, many donors who don’t itemize will once again be able to deduct eligible charitable gifts on their federal return – without having to itemize (Fidelity Charitable)

What donors can claim (starting in 2026)

Under the law, the reinstated charitable deduction for non-itemizers allows donors to deduct cash donations to qualified charities, up to:

A few important notes:

  • This applies to cash gifts (including online donations, credit card, check, etc., depending on IRS rules). (Fidelity Charitable)
  • Some gifts may not qualify—commonly cited examples include donations to donor-advised funds and certain private foundations. (Fidelity Charitable)
  • Donors should keep their receipts/acknowledgments for tax time.

Why this matters if you already take the standard deduction

Because the standard deduction is relatively high (and continues under the new law), many households don’t itemize—meaning they historically didn’t receive a tax benefit for charitable giving. (IRS)

Now, a donor can support the causes they love and still potentially receive a federal tax benefit – even with a modest annual total.

Example you can include (simple and donor-friendly):
If you give $25/month, that’s $300/year—and in 2026, that may be eligible for the reinstated deduction for non-itemizers (subject to IRS rules and personal circumstances). (Fidelity Charitable)

How donors can make the most of it (easy tips)

Here are a few practical actions donors can take—without getting overly technical:

  1. Consider recurring giving.
    Monthly gifts add up—and can help donors reach an amount that feels meaningful to claim.
  2. Give directly through official donation channels.
    (This helps ensure donations are properly documented.)
  3. Save your donation receipt/confirmation email.
    Good records make tax time easier.
  4. If you’re planning a larger gift, talk with a tax professional.
    The law also introduces changes for some itemizers (like new limits/floors), so personalized guidance can help. (Fidelity Charitable)

Additional sources for your review:

(Friendly reminder: We’re not tax advisors—please consult a qualified professional about your situation)