Last updated: 2026 assumptions reviewed. Assumptions & sources
Tools & Resources

Donation Tax Credit Calculator

Canada credits charitable donations against the tax you owe. Enter what you give and see what it costs you after the federal and provincial credits.

How the credit is built
What you gave→14% on the first $200→29% on the rest→What it really cost
Provinces add their own credit on top. Combining a couple's receipts on one return clears the $200 threshold once instead of twice.

Your Giving

A one-tap starting point, with a matching income. Every field is still yours to change.
$5,000
$
Include every gift to a registered Canadian charity this year: church, missions, food banks and the rest. Keep the official receipts.
$
Used for the top-rate rule, the Ontario surtax, the Quebec abatement, and the tax you actually owe, since the credit cannot take your tax below zero.
Standard credit rates apply to cash and cheque donations.

Your Tax Credit

Donation amount $5,000
Federal credit (14% on first $200) $30
Federal credit (29% on amount above $200) $0
Provincial credit (Ontario) $0
Total tax credit $0
Net cost of your giving $0

What Your Gift Really Costs

Your whole donation, drawn to scale. The green is what Canada's donation credit returns to you at tax time. The rest is the true, out-of-pocket cost of your generosity.

How Canadian Donation Credits Work

Canada uses a two-tier credit system:

  • 14% federal credit on the first $200 of donations
  • 29% federal credit on all donations above $200
  • 33% on the part of your gifts above $200 that is matched by taxable income over $258,482; the rest stays at 29%

Provincial credits stack on top of the federal one. There is no minimum gift: a $50 receipt still earns a credit. The $200 line is where the federal rate rises from 14% to 29%.

Unused donation credits can be carried forward up to five years, or claimed by a spouse. If you are working out what to give in the first place, the tithe calculator turns a percentage into a per-paycheque number, and the tax calculator shows the credit inside your whole return. The rates behind both come from the 2026 assumptions.

Is tithing tax-deductible in Canada?

Yes. If you donate to a registered charity (most churches are), you receive an official donation receipt and can claim the charitable donation credit. Your church should issue receipts for all eligible donations by February each year.

Frequently Asked Questions

How much tax credit do I get for charitable donations in Canada?

The federal credit is 14% on the first $200 you give in a year and 29% above that, rising to 33% on the part of a gift matched by income over $258,482. Provinces add their own credit: 5.05% to 60% on the first $200 and about 11% to 24% above it, depending where you live. Combined, gifts above $200 are usually credited at roughly 40% to 50%.

Can I carry forward donation tax credits in Canada?

Yes. Unused donation credits can be carried forward up to five years. This means you can save up your receipts and claim them in a year when they produce the largest benefit, such as a year with higher income or when you have crossed the $200 threshold.

What charitable donations qualify for the tax credit?

Donations to registered Canadian charities (those with a CRA registration number) qualify. Gifts to your church, registered non-profits, and recognized charitable organizations all count. Keep your official receipts; you will need them to claim the credit.

Is my tithe considered a charitable donation for tax purposes?

If your church is a registered charity (which virtually all Canadian churches are), yes. Your monthly giving receipts add up to a donation claim each year. Many people underestimate this. Check your annual giving statement and ensure you claim the full amount on your return.