A new federal tax change may allow more people to receive a tax benefit for charitable giving—even if they take the standard deduction.
Most people don’t give because of taxes. They give because they care. They give because they want children to succeed, families to thrive, and communities to grow stronger.
But starting in tax year 2026, giving may come with a little extra. A new federal tax change could allow more people to receive a charitable tax deduction—even if they take the standard deduction. That matters because most taxpayers don’t itemize.
Wait… what does that mean?
Think of tax deductions like this:
Imagine your income is a pie. A deduction makes the pie the government taxes a little smaller. That doesn’t mean free money—but depending on your situation, it may reduce your taxable income and lower what you owe at tax time.
For years, many people who took the standard deduction could still give to charity—but they usually didn’t receive a federal tax benefit for doing so. Starting in 2026, that may change.
What changed?
Beginning with gifts made in tax year 2026 (claimed on returns filed in 2027):
People who take the standard deduction may be able to deduct:
→ Up to $1,000 if filing individually
→ Up to $2,000 if married and filing jointly
This applies to qualified monetary gifts made directly to eligible charities.
What kinds of gifts may count?
These types of giving may qualify:
✔️ Online donations
✔️ Credit or debit card gifts
✔️ Checks
✔️ Payroll giving
(Your tax advisor can help determine what applies to your situation.)
A few quick things to know
Not every donation qualifies.
This deduction generally:
• Applies to monetary gifts only
• Requires donations to be made directly to eligible charitable organizations
• Does not include most gifts of stock, household goods, or property
• May not apply to donations made through donor-advised funds or private foundations
Why this matters
Think of this as a small thank-you note from the tax code. If you were already planning to support causes you care about, this change may give more people the opportunity to receive a tax benefit for doing something they already value.
That doesn’t change the heart of giving. Your donation still does what it has always done:
It helps neighbors.
It creates opportunities.
It strengthens communities.
This update simply means your generosity may go a little further—for others and for you.
At United Way of Virginia’s Blue Ridge, we believe generosity creates lasting change, and we want our community to know about opportunities that may help people give in ways that work for them.
Want to learn more? Talk with your tax advisor and explore how charitable giving supports local impact across Virginia’s Blue Ridge.
Disclaimer: This article is for informational purposes only and should not be considered tax advice. Please consult your tax professional regarding your individual situation.
