What’s my maximum charitable deduction for 2025 if I donated both cash and stocks?

The laws are black and white for cash vs. non-cash assets: maximum of 60% of AGI for cash donations, 30% for non-cash asset donations. But what if you gave both in 2025? What is the maximum then?

The answer varies from one person to another and the specifics of how you gave last year. If you gave multiple asset types to charity, ask your advisors about what maximum deduction you should expect in 2025.

What is a charitable contribution carryover?

If you gave more than the maximum deduction available to you in 2025 and you’re starting to worry as you prepare your taxes, don’t fear. A charitable contribution carryover is still an option.

A charitable contribution carryover allows you to spread your charitable contributions over several years, providing you follow certain rules. That way, you can take the charitable tax deduction beyond just the year in which you gave.

The deduction limitation on carryovers in future years is still 60% of your AGI; you can carry over excess deductions for up to five years.

Adjustments for inflation: 2025 tax brackets and standard deductions

Annual adjustments are made to tax brackets to account for inflation. This means that those on the edge of a tax bracket in 2024 may find themselves in a new one as they prepare their taxes for 2025.

Tax brackets for 2025

Rate	For unmarried individuals, taxable income over	For married individuals filing joint returns, taxable income over	For heads of households, taxable income over
10%	$0	$0	$0
12%	$11,925	$23,850	$17,000
22%	$48,475	$96,950	$64,850
24%	$103,350	$206,700	$103,350
32%	$197,300	$394,600	$197,300
35%	$250,525	$501,050	$250,500
37%	$626,350	$751,600	$626,350

Additionally, the standard deduction was also increased to account for inflation. Taxpayers who itemized on their 2024 taxes will want to make sure their itemized deductions continue to outweigh the standard deduction in 2025.

Standard deduction amounts

Filing Status	2024 standard deduction	2025 Standard deduction
Single	$14,600	$15,000
Married, filing separately	$14,600	$15,000
Married, filing jointly or qualifying widow/widower	$29,200	$30,000
Head of household	$21,900	$22,500

How does charitable giving play into your tax deductions? For professional advisors, how can you ensure you’re supporting your clients’ charitable giving and tax goals?

Review these must-know 2025 tax trends to discover how to make the most of the charitable giving you did and plan for the year ahead.

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Local Philadelphia nonprofit executive lends his hand to advance charitable giving and philanthropic impact.

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February check-in: How to achieve your charitable New Year's resolutions with a donor-advised fund

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Planned to give more in 2023 but looking for the ideal giving tool to support your generosity? Learn about how a donor-advised fund can help.

Vanguard Charitable donors set new granting record despite economic challenges

Jan 25, 2023

Donors remain resilient, granting over $1.87 billion through donor-advised funds in 2022

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While we are working quickly to resolve this issue, you may still open your account using our Open a philanthropic account form. The form can be filled in electronically and then printed for your signature. We recommend scanning your completed form and emailing it to donorservice@vanguardcharitable.org for the quickest resolution. You may also fax or mail the form to us. Please see the open a philanthropic account form for more information. Need more help? Call us at 888-383-4483.

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There are many factors to consider in creating a holistic and thoughtful approach to estate planning. Charity and philanthropy shouldn’t be left by the wayside.

Discover how Vanguard Charitable is supporting estate planning and how your clients can take advantage of our offerings. We'll be sharing more at the Heckerling Institute Conference on January 12-16, 2026. We look forward to seeing you there.

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