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charitable-giving

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Original

English
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Translation

Chinese

Charitable Giving Tracker

慈善捐赠追踪工具

Overview

概述

Finds all charitable donations in your transaction history, totals your annual giving, organizes donations by recipient, and estimates the potential tax deduction value. Helps you plan giving strategy and prepare for tax season.
查找您交易记录中的所有慈善捐赠，统计年度捐赠总额，按受赠机构分类，并估算潜在的税务抵扣价值。帮助您规划捐赠策略并为报税季做好准备。

Wilson Tools Used

使用的Wilson工具

  • transaction_search
    — find charitable donation transactions across all accounts
  • transaction_search
    — 查找所有账户中的慈善捐赠交易

Workflow

工作流程

  1. Run 
    transaction_search
    with 
    query: "donation OR charity OR charitable OR church OR tithe OR nonprofit OR 501c3 OR United Way OR Red Cross OR Salvation Army OR GoFundMe OR donor OR giving"
    and 
    months: 12
    to find all charitable transactions in the past year.
  2. Also run 
    transaction_search
    with 
    query: "foundation OR ministry OR habitat OR food bank OR humane society"
    and 
    months: 12
    to catch additional charitable organizations.
  3. Combine and deduplicate results. Group by recipient organization.
  4. For each organization, calculate total donated in the period.
  5. Classify each donation as likely tax-deductible or not:
    • Tax-deductible: donations to registered 501(c)(3) organizations
    • NOT deductible: GoFundMe for individuals, political campaigns, gifts to individuals
  6. Present the giving summary:
    CHARITABLE GIVING SUMMARY (2025 Tax Year)
══════════════════════════════════════════════════
Organization              Total Given  Deductible?
────────────────────────   ──────────   ──────────
Local Church               $2,400       Yes
Habitat for Humanity       $500         Yes
Red Cross                  $250         Yes
GoFundMe - J. Smith        $100         No
══════════════════════════════════════════════════
Total Giving:              $3,250
Tax-Deductible Giving:     $3,150
Non-Deductible Giving:     $100
  7. Estimate tax deduction value:
    • Only beneficial if the user itemizes deductions (total itemized > standard deduction: $14,600 single / $29,200 married filing jointly for 2025).
    • If itemizing: estimated tax savings = deductible amount x marginal tax rate. Ask the user their approximate tax bracket (10%, 12%, 22%, 24%, 32%, 35%, 37%).
    • Example: $3,150 in deductible giving x 22% bracket = ~$693 in tax savings.
  8. If donations exceed $250 to a single org, note that the user needs a written acknowledgment letter from that organization for IRS records.
  9. List donations under $250 that only need a bank/credit card statement as proof.
  1. 运行
    transaction_search
    ，参数为
    query: "donation OR charity OR charitable OR church OR tithe OR nonprofit OR 501c3 OR United Way OR Red Cross OR Salvation Army OR GoFundMe OR donor OR giving"
    和
    months: 12
    ，以查找过去一年的所有慈善交易。
  2. 同时运行
    transaction_search
    ，参数为
    query: "foundation OR ministry OR habitat OR food bank OR humane society"
    和
    months: 12
    ，以覆盖更多慈善机构。
  3. 合并结果并去重，按受赠机构分组。
  4. 为每个机构计算该时间段内的捐赠总额。
  5. 将每笔捐赠分类为可能可抵扣税务或不可抵扣：
    • 可抵扣：捐赠给注册的501(c)(3)机构
    • 不可抵扣：给个人的GoFundMe捐赠、政治竞选捐赠、给个人的礼物
  6. 呈现捐赠摘要：
    CHARITABLE GIVING SUMMARY (2025 Tax Year)
══════════════════════════════════════════════════
Organization              Total Given  Deductible?
────────────────────────   ──────────   ──────────
Local Church               $2,400       Yes
Habitat for Humanity       $500         Yes
Red Cross                  $250         Yes
GoFundMe - J. Smith        $100         No
══════════════════════════════════════════════════
Total Giving:              $3,250
Tax-Deductible Giving:     $3,150
Non-Deductible Giving:     $100
  7. 估算税务抵扣价值：
    • 仅当用户选择分项抵扣时才有益（分项抵扣总额超过标准抵扣额：2025年单身人士为$14,600，联合报税已婚人士为$29,200）。
    • 如果选择分项抵扣：估算节税额 = 可抵扣金额 × 边际税率。询问用户大致的税率等级（10%、12%、22%、24%、32%、35%、37%）。
    • 示例：$3,150的可抵扣捐赠 × 22%税率等级 = 约$693的节税额。
  8. 如果向单个机构的捐赠超过$250，提醒用户需要该机构提供的书面确认函，用于IRS记录。
  9. 列出捐赠额低于$250的项目，这些仅需银行/信用卡账单作为证明。

Without Wilson

不使用Wilson的操作流程

  1. Search your bank and credit card statements for the past calendar year. Most banks let you search by keyword — try "donation," "church," the names of organizations you support.
  2. Check your email for donation receipts — search for "donation receipt," "thank you for your gift," "tax receipt," or "contribution."
  3. In a spreadsheet, create columns: Date, Organization, Amount, Payment Method, Receipt on File (Y/N).
  4. Total the Amount column: 
    =SUM(C2:C50)
    .
  5. For tax deduction estimation:
    • Check if you will itemize: add up mortgage interest (Form 1098), state/local taxes (up to $10,000), medical expenses (over 7.5% of AGI), and charitable giving. If the total exceeds the standard deduction ($14,600 single / $29,200 MFJ for 2025), you benefit from itemizing.
    • If itemizing, multiply total deductible giving by your marginal tax rate for estimated savings.
  6. Verify 501(c)(3) status: search the IRS Tax Exempt Organization Search at apps.irs.gov/app/eos/ to confirm an organization qualifies.
  7. For donations over $250: make sure you have a written letter from the org stating the amount, date, and that no goods/services were received in exchange (or describing what was received).
  8. If you donated property (clothes, furniture, vehicles), you need a fair market value estimate. Salvation Army and Goodwill publish valuation guides on their websites.
  1. 查找过去一整年的银行和信用卡账单。大多数银行支持关键词搜索——尝试使用“donation”“church”或您支持的机构名称。
  2. 检查电子邮件中的捐赠收据——搜索“donation receipt”“thank you for your gift”“tax receipt”或“contribution”。
  3. 在电子表格中创建列：日期、机构、金额、支付方式、已保存收据（是/否）。
  4. 计算金额列的总和：
    =SUM(C2:C50)
    。
  5. 估算税务抵扣：
    • 确认是否选择分项抵扣：将抵押贷款利息（Form 1098）、州/地方税（最高$10,000）、医疗费用（超过AGI的7.5%）和慈善捐赠相加。如果总额超过标准抵扣额（2025年单身人士$14,600 / 联合报税已婚人士$29,200），分项抵扣对您有益。
    • 如果选择分项抵扣，将可抵扣捐赠总额乘以您的边际税率，得到估算节税额。
  6. 验证501(c)(3)资质：通过IRS Tax Exempt Organization Search（网址：apps.irs.gov/app/eos/）搜索，确认机构是否符合资质。
  7. 对于超过$250的捐赠：确保您拥有该机构提供的书面函件，说明捐赠金额、日期，以及未收到任何商品/服务作为回报（或说明收到的内容）。
  8. 如果捐赠的是物品（衣物、家具、车辆），您需要估算其公平市场价值。Salvation Army和Goodwill的网站上发布了估值指南。

Important Notes

重要提示

  • This skill provides estimates only. It is NOT tax advice. Consult a tax professional or CPA for your specific situation.
  • The standard deduction increases annually. Many taxpayers do not benefit from itemizing, which means charitable donations do not directly reduce their tax bill (though some years include an above-the-line deduction for cash donations — check current tax law).
  • Cash donations are deductible up to 60% of AGI. Non-cash donations have lower limits (30% or 50% depending on type).
  • Keep all receipts. For cash/check donations under $250, a bank statement or cancelled check is sufficient. For $250+, you must have a contemporaneous written acknowledgment from the organization.
  • Donations to individuals, GoFundMe campaigns for personal causes, and political organizations are never tax-deductible, even if they feel charitable.
  • 本技能仅提供估算，不构成税务建议。请咨询税务专业人士或CPA以获取针对您具体情况的建议。
  • 标准抵扣额每年都会提高。许多纳税人无法从分项抵扣中获益，这意味着慈善捐赠不会直接减少他们的税单（不过某些年份允许对现金捐赠进行线上抵扣——请查阅当前税法）。
  • 现金捐赠的可抵扣上限为AGI的60%。非现金捐赠的上限较低（根据类型不同为30%或50%）。
  • 保留所有收据。对于$250以下的现金/支票捐赠，银行账单或作废支票即可作为凭证。对于$250及以上的捐赠，您必须拥有机构提供的同期书面确认函。
  • 给个人的捐赠、用于个人用途的GoFundMe活动捐赠以及政治组织捐赠永远不可抵扣税务，即使它们看起来具有慈善性质。