Cost of Giving Calculator
See how combined federal and provincial charitable donation tax credits can reduce the net cost of a gift to a registered Canadian charity.
Donation Tax Credit Estimator
Adjust the donation amount and your combined marginal tax rate to see an illustrative after-tax cost of giving.
Default rate of 43.5% reflects a typical combined federal and provincial marginal rate for higher-income donors in Ontario.
Estimated Outcomes
Total Contribution Amount
Eligible gift to a registered Canadian charity
$10,000.00
Estimated Tax Savings
Non-refundable donation tax credits
$4,350.00
Net Out-of-Pocket Cost of the Gift
Contribution minus estimated tax savings
$5,650.00
Important Disclaimer
This calculator provides an illustrative estimate only. Under Canadian tax law, charitable donation tax credits are calculated using combined federal and provincial marginal credit rates that differ from your income tax bracket. The federal credit applies at 15% on the first $200 of eligible donations in a taxation year, and at 29% on amounts above that threshold. Provincial credits follow a similar two-tier structure, with rates varying by province or territory.
The slider above approximates your total credit benefit as a percentage of the gift amount using your selected combined marginal rate. Your actual tax savings depend on your province of residence, total annual donations, available carry-forward amounts, and whether you have sufficient tax payable to use non-refundable credits. This tool does not account for the $200 first-tier threshold separately. Consult a qualified tax professional before making giving decisions.
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