TurboTax / Tax Calculators & Tips / Tax Tips Guides & Videos / Tax Deductions and Credits / One Big Beautiful Bill: Charitable Deduction Changes for 2026

One Big Beautiful Bill: Charitable Deduction Changes for 2026

Written by Rocky Mengle, Attorney • Reviewed by a TurboTax CPA

Updated for Tax Year 2025 • June 26, 2026 10:10 AM

OVERVIEW

Discover how the “One Big Beautiful Bill” impacts charitable tax deductions for 2026 and beyond. It revived the charitable deduction for non-itemizers (which was available in 2020 and 2021), made the 60%-of-AGI limit permanent, established a deduction “floor,” and more. Understanding these changes can help you save more when you give more.

NEW TAX LAW CHANGES

The One Big Beautiful Bill that passed includes permanently extending tax cuts from the Tax Cuts and Jobs Act, including increasing the cap on the amount of state and local or sales tax and property tax (SALT) that you can deduct, makes cuts to energy credits passed under the Inflation Reduction Act, makes changes to taxes on tips and overtime for certain workers, reforms Medicaid, increases the Debt ceiling, and reforms Pell Grants and student loans. Updates to this article are in process. Check our One Big Beautiful Bill article for more information.

TABLE OF CONTENTS

How did the “One Big Beautiful Bill” change charitable deductions for 2026?
How does the Charitable Deduction for Non-Itemizers work?
What’s the 60%-of-AGI limitation on charitable contributions?

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Key Takeaways

Beginning with the 2026 tax year, non-itemizers can deduct up to $1,000 of cash donations to charitable, religious, educational, scientific, literary, and certain other eligible organizations (up to $2,000 on joint returns).
The 60%-of-AGI limit on itemized deductions for cash donations to charitable, religious, educational, and certain other organizations was made permanent by the “One Big Beautiful Bill” (it was set to expire in 2026).
Starting with the 2026 tax year, the itemized deduction for charitable contributions is only allowed for eligible contributions that exceed 0.5% of your adjusted gross income.
The “One Big Beautiful Bill” increased the maximum itemized charitable deduction for certain whaling captains from $10,000 to $50,000 for the 2026 tax year and beyond.

How did the “One Big Beautiful Bill” change charitable deductions for 2026?

Starting with the 2026 tax year, the “One Big Beautiful Bill” (OBBB) changed how charitable donations are deducted on your federal income tax return by:

reviving the Charitable Deduction for Non-Itemizers
made the 60%-of-AGI cap on cash donations permanent
establishing a 0.5% “floor” for the itemized deduction for charitable contributions
increased the itemized charitable deduction for certain whaling captains

The OBBB also created a new federal tax credit for contributions to a “scholarship granting organization.” However, the credit isn’t available until the 2027 tax year.

Also known as the Working Families Tax Cut, the OBBB was signed into law on July 4, 2025.

How does the Charitable Deduction for Non-Itemizers work?

Beginning with the 2026 tax year, if you don’t claim itemized deductions on your tax return – that is, you opt to take the Standard Deduction instead – you can deduct up to $1,000 of cash contributions to charitable, religious, educational, scientific, literary, and certain other eligible organizations (up to $2,000 for married couples filing a joint return).

TurboTax Tip:

“If you’re not sure whether a donation to your favorite charity will be deductible, you can check the IRS’s online database of organizations eligible to receive tax-deductible charitable contributions.” – Jeff Godwin, CPA, Carlsbad, California

“A charitable deduction for non-itemizers was temporarily available for the 2020 and 2021 tax years, but the current deduction generally provides a larger benefit than the prior temporary deduction,” says Jeff Godwin, a CPA and TurboTax Expert based in Carlsbad, California. When the OBBB revived the former deduction, it raised the maximum deduction to $1,000 ($2,000 for joint filers).

Maximum Charitable Deduction for Non-Itemizers
Tax Year(s)	Married Couples Filing Jointly	Married Couples Filing Separately	All Other Taxpayers
2020	$300	$150	$300
2021	$600	$300	$300
2026 and beyond	$2,000	$1,000	$1,000

For more information, see our article on the current Charitable Deduction for Non-Itemizers.

What’s the 60%-of-AGI limitation on charitable contributions?

Since the 2018 tax year, the itemized deduction for cash donations to charitable, religious, educational, and certain other organizations has been limited to 60% of your adjusted gross income (AGI). Any amount over the 60%-of-AGI limit can be carried forward and deducted in each of the next five years until it’s used up (although it can’t be used toward the charitable deduction for non-itemizers).

Example: You have an AGI of $200,000 and made a $150,000 cash donation to charity. If you claim itemized deductions on your federal income tax return, the 60%-of-AGI limitation reduces your charitable deduction to $120,000 ($200,000 x 60% = $120,000). The remaining $30,000 ($150,000 - $120,000 = $30,000) can be carried forward for up to five years.

Before 2018, cash contributions were subject to the same limitation as non-cash contributions – 50% of your AGI. But the Tax Cuts and Jobs Act (TCJA) of 2017 temporarily increased the limitation to 60%-of-AGI for cash donations.

"The 60%-of-AGI limit for cash contributions was supposed to expire after the 2025 tax year, but the 'One Big Beautiful Bill' made it permanent," notes Godwin. So, the limit remains in place after the 2025 tax year and there’s no set expiration date.

How does the 0.5% floor on the itemized deduction for charitable contributions work?

Under the new “floor” on the itemized deduction for charitable contributions – which is effective for the 2026 tax year and beyond – you can only deduct eligible donations that exceed 0.5% of your AGI.

“If your donations for the year are below the 0.5%-of-AGI threshold, then the itemized deduction isn’t allowed,” says Godwin. “This impacts people who itemize and make smaller charitable gifts during the year.”

Example 1 (deduction limited): For the 2026 tax year, you have an AGI of $200,000 and donated $4,000 to charity. If you claim itemized deductions on your federal income tax return, you can only deduct $3,000 of your charitable donations. That’s because the first $1,000 of donations is not deductible ($200,000 x 0.5% = $1,000). That leaves you with $3,000 in deductible donations ($4,000 - $1,000 = $3,000).

Example 2 (deduction eliminated): For the 2026 tax year, you have an AGI of $200,000 and donated $750 to charity. If you claim itemized deductions on your federal income tax return, you can’t deduct any of your charitable donations. That’s because your donations are less than the 0.5% floor, which is $1,000 ($200,000 x 0.5% = $1,000).

You can carry over donations that aren’t deductible because of the 0.5% floor to future tax years, but only if you’re already carrying over unused donations because of one of the existing AGI-based limitations (such as the 60%-of-AGI limit for cash contributions mentioned earlier). If that’s the case, you can add any donations that aren’t allowed because of the floor to the overall carryover amount.

Example 3 (carryover increased): For the 2026 tax year, you have an AGI of $200,000 and made a $150,000 cash donation to charity. If you claim itemized deductions on your federal income tax return, the 60%-of-AGI limitation reduces your charitable deduction to $120,000 ($200,000 x 60% = $120,000). The remaining $30,000 ($150,000 - $120,000 = $30,000) can be carried forward for up to five years.

In addition, because of the 0.5% floor, the first $1,000 of donations is not deductible ($200,000 x 0.5% = $1,000). That further reduces your total charitable deduction to $119,000 ($120,000 - $1,000 = $119,000). However, since you’re already carrying over donations that weren’t deductible because of an AGI-limit, you can add this $1,000 to the $30,000 that’s already being carried forward for a total carryforward of $31,000.

How much was the charitable deduction for whaling captains increased?

Starting with the 2026 tax year, the OBBB increased the maximum itemized charitable deduction for certain whaling captains from $10,000 to $50,000.

This deduction is only available for “reasonable and necessary” whaling expenses paid during the year to carry out sanctioned whaling activities by a whaling captain recognized by the Alaska Eskimo Whaling Commission. Only subsistence bowhead whale hunting activities conducted under the commission’s management plan count as sanctioned activities.

The deduction is only allowed for the costs of:

acquiring and maintaining whaling boats, weapons, and gear used in sanctioned whaling activities
supplying food for the crew and other provisions for carrying out sanctioned activities
storing and distributing the catch from sanctioned activities

Who will be able to claim the tax credit for contributions to a scholarship granting organization?

Although it’s not available until the 2027 tax year, the OBBB also created a new non-refundable tax credit for U.S. citizens and residents who make cash contributions to a tax-exempt “scholarship granting organization” (SGO). The credit is capped at $1,700 per year, but any donations exceeding the limit can be carried forward for up to five years.

The credit only applies if the SGO’s state chooses to participate in the credit program and provides a list of eligible SGOs in the state to the IRS. A list of participating states is on the IRS website.

The SGO also has to use donations to fund scholarships for “eligible students” in the state. Students eligible to enroll in a public elementary or secondary school, and who are from a family with an income that’s 300% or less of the median gross income for their area, are eligible students for purposes of the credit.

In addition, for the credit to apply, the SGO must:

provide scholarships to 10 or more students who attend more than one school
spend at least 90% of its income on scholarships for eligible students
only provide scholarships for elementary or secondary education expenses, including tuition, fees, tutoring, and classroom supplies
first prioritize scholarships for students who were awarded a scholarship for the previous school year, and then for students who have a sibling who was awarded a scholarship by the SGO
not earmark or set aside donations for scholarships to any particular student
verify the annual household income and family size of students who apply for scholarships to make sure they’re eligible students
limit scholarships to students from families with an income that doesn’t exceed 300% of the median gross income for their area
prevent the co-mingling of credit-eligible donations

Note that “double dipping” is not allowed. For instance, you can’t use a donation to an SGO to claim both the credit and a charitable deduction (either as an itemizer or non-itemizer). The federal credit is also reduced by any state tax credits received for the same donation.

Frequently asked questions about charitable tax deductions?

Q1: Can volunteers deduct out-of-pocket expenses?

Volunteers can deduct certain unreimbursed expenses if they itemize. For example, if you bake cupcakes for a church fundraiser, you can deduct the cost of ingredients.

You can also deduct transportation costs going to and from volunteer activities (including tolls and parking fees). To calculate the deductible amount, you can either use the actual cost of your gas, oil, and related expenses, or you can simply deduct 14 cents per mile driven.

On the other hand, you can’t deduct personal expenses, such as the cost of a babysitter while you’re volunteering. You also can’t deduct the value of your time or services provided to a charitable organization.

“Volunteers also can’t deduct out-of-pocket expenses as part of the charitable deduction for non-itemizers,” according to Godwin. “That deduction is only available for cash donations.”

Check out the IRS’s take on charitable deductions for volunteers.

Q2: How are charitable deductions limited?

In addition to the 60%-of-AGI limit for cash contributions, there are a handful of other AGI-based limits that can impact the itemized deduction for charitable contributions, such as the:

100%-of-AGI limit for “qualified conservation contributions” by farmers or ranchers, which are donations of certain real estate to be used for conservation purposes
50%-of-AGI limit for qualified conservation contributions by other people
50%-of-AGI limit for non-cash donations to charitable, religious, educational, scientific, literary, and certain other eligible organizations
30%-of-AGI limit for donations of “capital gain property,” which is property that would have triggered a long-term capital gain if sold instead of donated
30%-of-AGI limit for donations to various organizations, such as certain fraternal societies, war veterans groups, private foundations, and cemetery companies
20%-of-AGI limit for donations of capital gain property to certain fraternal societies, war veterans groups, private foundations, cemetery companies, and the like

In most cases, donations that aren’t deductible because of an AGI-based limit can be carried forward for up to five years (qualified conservation contributions can be carried forward for up to 15 years).

Get more information about charitable deduction limitations in IRS Publication 526.

Q3: Can I deduct a charitable donation if I get something in return?

You can still deduct a charitable donation if you receive a benefit in exchange for the gift. However, your deduction is generally reduced by the fair market value (FMV) of the goods or services you receive.

Example: You donate $1,000 to your church during a fundraising event. All donors who give at least $500 are invited to a special dinner hosted by the church. If the FMV of the meal you receive at the dinner is $75, your charitable deduction is reduced from $1,000 to $925 ($1,000 - $75 = $925).

However, you typically don’t have to reduce your charitable tax deduction if you only receive a small item or “token” benefit, such as a key chain, t-shirt, coffee mug, or similar item.

Your federal deduction for charitable donations can also be reduced if you receive (or expect to receive) a state or local tax credit or deduction in return. If you get a state or local tax credit, your federal charitable deduction is generally reduced by the credit amount. However, if the state or local tax credit isn’t more than 15% of your donation, then your charitable deduction isn’t reduced.

If you receive (or expect to receive) a state or local tax deduction in exchange for a donation, your federal charitable deduction is reduced only if the state or local deduction is greater than your cash donation.

See which states have the highest and lowest tax rates.

Q4: Can “bunching” optimize my charitable deductions?

"Bunching" charitable contributions, which is basically consolidating multiple years of donations into a single year, can help maximize your tax savings. For instance, if you itemize, bunching can help you surpass the 0.5% floor for a single year, instead of failing to reach the floor for multiple years.

Example: For both the 2026 and 2027 tax years, you expect to have an AGI of $200,000, donate $750 to charity, and itemize. Since $750 is less than the 0.5% floor for each year – which is $1,000 ($200,000 x 0.5% = $1,000) – you can’t claim the itemized deduction for charitable contributions for either year. However, if you donate $1,500 in 2026 and $0 in 2027 (that is, combining your expected donations for 2026 and 2027 into one year), you can at least deduct $500 on your 2026 return.

You can also use bunching to increase your overall itemized deductions to a point where they exceed your Standard Deduction for a particular year (remember, you generally can claim the larger of your itemized deductions or Standard Deduction – but you can’t claim them both).

For instance, you might want to do this if you have other itemized deductions you want to claim (such as for medical expenses, state and local taxes, or mortgage interest payments), but your combined itemized deductions aren’t quite as much as your Standard Deduction. Bunching two or more years worth of charitable contributions into one year might push your itemized deductions beyond your Standard Deduction amount for the year, thus making it worthwhile to itemize on that year’s tax return.

If you generally don’t make large charitable donations, bunching might also help if you plan to take the Standard Deduction and claim the charitable deduction for non-itemizers one year, but expect to itemize (with donations that don’t exceed the 0.5% floor) for the next year. That way, you can potentially max out the deduction for the year you take the Standard Deduction, and avoid losing the deduction for the year you itemize (because of the 0.5% floor).

Example: You’re a single taxpayer who expects to have an AGI of $200,000 and donate $750 to charity for both the 2026 and 2027 tax years. You also expect to take the Standard Deduction on your 2026 tax return, but itemize on your 2027 return. If that’s the case, you can claim a $750 charitable deduction for non-itemizers for 2026. However, since $750 is less than the 0.5% floor – which is $1,000 ($200,000 x 0.5% = $1,000) – you can’t claim the itemized deduction for charitable contributions for 2027.

On the other hand, if you donate $1,500 in 2026 and $0 in 2027 (that is, combining your expected donations for 2026 and 2027 into one year), at least you can increase your deduction from $750 to $1,000 on your 2026 return.

Discover more ways to maximize your itemized deductions.

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You will not be eligible for the loan if: (1) your physical address is not included on your federal tax return, (2) your physical address is located outside of the United States or a US territory, is a PO box or is a prison address, (3) your physical address is in one of the following states: IL, CT, or NC, (4) you are less than 18 years old, (5) the tax return filed is on behalf of a deceased person, (6) you are filing certain IRS Forms (1310, 4852, 4684, 4868, 1040SS, 1040PR, 1040X, 8888, or 8862), (7) your expected refund amount is less than $500, or (8) you did not receive Forms W-2 or 1099-R or you are not reporting income on Sched C. Additional requirements: You must (a) e-file your federal tax return with TurboTax and (b) currently have or open a Credit Karma Money™ Spend (checking) account with MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. Opening a Credit Karma Money™ Spend (checking) account is subject to eligibility. Please see Credit Karma Money Spend Account Terms and Disclosures for details.

Not all consumers will qualify for a loan or for the maximum loan amount. If approved, your loan will be for one of ten amounts: $250, $500, $750, $1,000, $1,500, $2,000, $2,500, $3,000, $3,500, or $4,000. Your loan amount will be based on your anticipated federal refund to a maximum of 50% of that refund amount. Those filing with TurboTax Expert Full Service may be eligible for a loan, issued by WebBank, in an amount that is based on the full amount of their anticipated federal refund with a maximum loan amount of $10,000, and such loans are available in amounts that are multiples of $250. Full Refund Amount calculation based upon the estimated amount of your refund less any fees associated with additional refund products. You will not receive a final decision of whether you are approved for the loan until after the IRS accepts your e-filed federal tax return. Loan repayment is deducted from your federal tax refund and reduces the subsequent refund amount paid directly to you.

If approved, your TurboTax Refund Advance will be deposited into your Credit Karma Money™ Spend (checking) account typically within 15 minutes after the IRS accepts your e-filed federal tax return and you may access your funds online through a virtual card. Your physical Credit Karma Visa® Debit Card* should arrive in 7 - 14 days. *Card issued by MVB Bank, Inc., Member FDIC pursuant to a license from Visa U.S.A. Inc.; Visa terms and conditions apply. Other fees may apply. For more information, please visit: https://support.creditkarma.com/s/article/Are-there-fees-with-a-Credit-Karma-Money-Spend-account.

If you are approved for a loan, your tax refund after deducting the amount of your loan and agreed-upon fees (if applicable) will be placed in your Credit Karma Money™ Spend (checking) account. Tax refund funds are disbursed by the IRS typically within 21 days of e-file acceptance. If you apply for a loan and are not approved after the IRS accepts your e-filed federal tax return, your tax refund minus any agreed-upon fees (if applicable) will be placed in your Credit Karma Money™ Spend (checking) account.

If your tax refund amounts are insufficient to pay what you owe on your loan, you will not be required to repay any remaining balance. However, you may be contacted to remind you of the remaining balance and provide payment instructions to you if you choose to repay that balance. If your loan is not paid in full, you will not be eligible to receive a TurboTax Refund Advance loan in the future.
Loan details and disclosures for the File Now, Pay Later program: If your expected federal tax balance owed is between $200 and $6,000, you could be eligible for a File Now, Pay Later loan. File Now, Pay Later loans are issued by WebBank, not affiliated with Cross River Bank, Member FDIC. File Now, Pay Later is a loan based upon your federal tax balance due and can only be used to make your federal tax payment directly to the IRS. You must be eligible to receive a loan in the amount of your full federal tax balance due in order to be approved. Availability of the File Now, Pay Later is subject to credit approval, satisfaction of identity verification, certain security requirements, eligibility criteria, and underwriting standards. This File Now, Pay Later offer expires on October 16, 2026, or the date that available funds have been exhausted, whichever comes first. Offer, eligibility, and availability subject to change without further notice.

File Now, Pay Later is available with a 3, 6, or 9 month loan term. Variable APR ranging from 15%-33%. For example, a 6-month $2,000 loan with an APR of 19% has a finance charge of $112.28 and 6 monthly installments of $352.05 each. Payments may change if you have missed payments, overpayments, or payments made outside of your normal payment schedule.

File Now, Pay Later loans issued by WebBank are facilitated by Intuit Financing Inc. (NMLS # 1136148), a subsidiary of Intuit Inc. Although there are no loan fees associated with the File Now, Pay Later loan, separate fees may apply if you choose to pay for TurboTax with your state refund. Paying for TurboTax with your state refund is not required to be eligible for a File Now, Pay Later loan. Additional fees may apply for other products and services that you choose.

You will not be eligible for the loan if: (1) your physical address is not included on your federal tax return, (2) your physical address is located outside of the United States or a US territory, is a PO box or is a prison address, (3) you are less than 18 years old, (4) the tax return filed is on behalf of a deceased person, (5) your federal tax balance owed is less than $200 or greater than $6,000, or (6) you do not have a social security number. Additional requirements: You must (a) e-file your federal tax return with TurboTax and (b) authorize Intuit Financing Inc. to open a Router Account in your name with an FDIC insured bank. Opening a Router Account is subject to identity verification.

If approved, your File Now, Pay Later will be deposited into a temporary router account established for you at an FDIC insured bank ("Router Account"), shortly after the IRS accepts your e-filed federal tax return. You will have no access to the funds and the funds will only be accessed by the IRS via an authorized debit of the Router Account. Authorized tax payments are debited by the IRS, typically within 5 days of e-file acceptance.

Not all consumers will qualify for a loan or for the maximum loan amount. If approved, your loan will be issued in the exact amount of your federal taxes owed. You will not receive a final decision of whether you are approved for the loan until after the IRS accepts your e-filed federal tax return. Your loan repayment period begins once the IRS has received your tax payment. If your loan is not paid in full, you will not be eligible to receive a File Now, Pay Later loan in the future.
Pay for TurboTax out of your federal refund or state refund: Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 service fee may apply to this payment method. Prices are subject to change without notice.
TurboTax Help and Support: Access to a TurboTax product specialist is included with TurboTax Do It Yourself Deluxe, TurboTax Do It Yourself Premium, TurboTax Expert Assist and TurboTax Expert Full Service; not included with TurboTax Free Edition (but is available as a paid upgrade). TurboTax specialists are available to provide general customer help and support using the TurboTax product. Services, areas of expertise, experience levels, wait times, hours of operation and availability vary, and are subject to restriction and change without notice. Limitations apply. See Terms of Service for details.
TurboTax Experts - Tax Advice and Expert Review: Access to an expert for tax questions and Expert Review (the ability to have a tax expert review) is included with TurboTax Expert Assist or as an upgrade from another TurboTax product, and available through December 31, 2026. Access to an expert for tax questions is also included with TurboTax Expert Full Service and available through December 31, 2026. If you use TurboTax Experts, Intuit will assign you a tax expert based on availability. Tax expert availability may be limited. Some tax topics or situations may not be included as part of this service, which shall be determined at the tax expert’s sole discretion. The ability to retain the same expert preparer in subsequent years will be based on an expert’s choice to continue employment with Intuit and their availability at the times you decide to prepare your return(s). Administrative services may be provided by assistants to the tax expert. On-screen help is available on a desktop, laptop or the TurboTax mobile app. For the TurboTax Expert Assist product: If your return requires a significant level of tax advice or actual preparation, the tax expert may be required to sign as the preparer at which point they will assume primary responsibility for the preparation of your return. For the TurboTax Expert Full Service product: Hand off tax preparation by uploading your tax documents, getting matched with an expert, and meeting with an expert in real time. The tax expert will sign your return as a preparer.
TurboTax Experts - Unlimited Expert Support: Unlimited access to TurboTax experts refers to an unlimited quantity of contacts available to each customer, but does not refer to hours of operation or service coverage. Service, area of expertise, experience levels, wait times, hours of operation and availability vary, and are subject to restriction and change without notice.
TurboTax Experts - Years of Experience: Based on experts’ self-reported years of tax experience.
TurboTax Experts - Expert Availability: During tax season, TurboTax experts online are available 7 days a week from 5 AM to 9 PM PT from January 5 to April 20, 2026, and 5 AM to 12 AM PT on April 15, 2026. Outside of tax season, regular hours for our online TurboTax experts are Monday through Friday, 5am to 5pm PT. Near the September and October extension deadlines, we will resume extended hours of operations including evening and weekend hours. Service, area of expertise, experience levels, and wait times vary, and are subject to restriction and change without notice. Unlimited access to TurboTax experts online is included with all Expert Assist and Expert Full Service products. TurboTax experts hours at TurboTax stores and Expert offices vary by location.
TurboTax Expert Full Service - File your taxes as soon as today: TurboTax Full Service experts are available to prepare 2025 tax returns starting January 5, 2026. One-day preparation and filing availability depends on start time, the complexity of your return, is based on completion time for the majority of customers, and may vary based on expert availability. A tax preparation assistant will validate the customer’s tax situation during the welcome call and review uploaded documents to assess readiness and ability to file same-day. All tax forms and documents must be ready and uploaded by the customer for the tax preparation assistant to refer the customer to an available expert for live tax preparation.
TurboTax Expert Full Service - “Local”: Not all feature combinations are available for all locations. In-person meetings with a local tax pro are available in some locations, but not available in all states or locations. "Local" tax pro is defined as being located within the same state as the client for virtual meetings. "Local" tax pro, for the purpose of in-person meetings, is defined as being located within 50 miles of the consumer's zip code.
Smart Insights: Individual taxes only. Included with TurboTax Do It Yourself Deluxe, Premium, TurboTax Expert Assist, TurboTax Expert Full Service, or with PLUS benefits, and is available through October 31, 2026. Terms and conditions may vary and are subject to change without notice.
My Docs: Included with TurboTax Do It Yourself, TurboTax Expert Assist, and TurboTax Expert Full Service and is available through December 31, 2026. Terms and conditions may vary and are subject to change without notice.
Tax Return Access: Included with all TurboTax Do It Yourself, TurboTax Expert Assist, and TurboTax Expert Full Service products. Access to up to seven years of tax returns we have on file for you is available through December 31, 2026. Terms and conditions may vary and are subject to change without notice.
Easy Online Amend: Individual taxes only. With TurboTax Do It Yourself Deluxe, TurboTax Do It Yourself Premium, TurboTax Expert Assist, TurboTax Expert Full Service, or with PLUS benefits, you can make changes to your 2025 tax return online through October 31, 2028. For TurboTax Expert Full Service, your tax expert will amend your 2025 tax return for you through November 15, 2026; after that date, TurboTax Expert Full Service customers will be able to amend their 2025 tax return themselves using the Easy Online Amend process described above. TurboTax Free Edition customers may amend 2025 tax returns online through October 31, 2026. Terms and conditions may vary and are subject to change without notice.
#1 best-selling tax software: Based on aggregated sales data for all tax year 2024 TurboTax products.
#1 online tax filing solution for self-employed: Based upon IRS Sole Proprietor data as of calendar year 2025, for tax year 2024. Self-Employed defined as a return with a Schedule C/C-EZ tax form. Online competitor data is extrapolated from press releases and SEC filings. “Online” is defined as an individual income tax DIY return (non-preparer signed) that was prepared online and either e-filed or printed, not including returns prepared through desktop software.
1099-Ks: Those filing in TurboTax Free Edition or TurboTax Expert Assist Basic will be able to file a limited IRS Schedule 1 if they have hobby income or personal property rental income reported on a Form 1099-K, and/or a limited IRS Schedule D if they have personal item sales with no gain reported on Form 1099-K. Those filing in TurboTax Do It Yourself Deluxe or TurboTax Expert Assist Deluxe will be able to file a limited IRS Schedule D if they have personal item sales income reported on Form 1099-K. If you add other schedules or forms, or need to report other types of income on Schedules 1, D, E, F, or Form 4835 you may be required to upgrade to another TurboTax product. Intuit reserves the right to terminate this offer at any time for any reason in its sole and absolute discretion.
1099-K Snap and Autofill: Available in mobile app and mobile web only.
1099-NEC Snap and Autofill: Available in TurboTax Do It Yourself Premium (formerly Self-Employed) and TurboTax Expert Assist Premium (formerly Self-Employed). Available in mobile app only. Feature available within Schedule C tax form for TurboTax filers with 1099-NEC income.
Year-Round Tax Estimator: Available in TurboTax Do It Yourself Premium (formerly Self-Employed) and TurboTax Expert Assist Premium (formerly Self-Employed). This product feature is only available after you finish and file in a self-employed TurboTax product.
Refer a Friend: Maximum of $500 in total rewards for 20 referrals. See official terms and conditions for more details.
Refer your Expert (TurboTax Customer referring Intuit’s own experts): Maximum of $500 in total rewards for 10 referrals. See official terms and conditions for more details.
Average Refund Amount: $3,453 is the average refund amount American taxpayers received in the 2024 filing season based upon IRS data as of February 21, 2025 and may not reflect actual refund amount received. Each taxpayer’s refund will vary based on their tax situation.
More self-employed deductions: based on the median amount of expenses found by TurboTax Do It Yourself Premium (formerly Self Employed) customers who synced accounts, imported and categorized transactions compared to manual entry. Individual results may vary.
TurboTax Online Business Products: For TurboTax Expert Assist Business and TurboTax Expert Full Service Business, we currently don’t support the following tax situations: C-Corps (Form 1120) and entities electing to be treated as a C-Corp, Trust/Estates (Form 1041), Tax Exempt Entities/Non-Profits, returns that require more than 5 state filings, and other issues unrelated to the preparation of a tax return or unrelated to business income/franchise taxes.
Audit Defense: Audit Defense is a third-party add-on service provided, for an additional fee, by TaxResources, Inc., dba Tax Audit. Audit Defense is included at no added cost with business returns filed with TurboTax Experts for Business (excluding Sole Proprietor). See Membership Agreements at https://www.intuit.com/legal/terms/ for service terms and conditions.

TURBOTAX EXPERT 365 BUSINESS Subscription Terms:

Who’s Eligible for Expert 365 Business:

Expert 365 Business is available to new QuickBooks customers with the following entity and business tax situations: sole proprietorships and single-member LLCs.
At this time, the following entity types and business tax situations are not eligible for Expert 365 Business: C-Corps, S-Corps, partnerships.

Your Expert 365 Business subscription includes access to the following services and features:

Tax-Ready Bookkeeping: You must connect your business accounts to QuickBooks in order for your Expert to be able to review and reconcile your books on a quarterly basis. The expert will update bookkeeping to be tax-ready on a quarterly basis, so the expert can calculate your quarterly tax payments and develop personalized tax advice. All advice and information made available by Expert 365 Business in connection with the bookkeeping service is based on the information you provide to Intuit or authorize Intuit to obtain from your banks and other third party platforms that sync data into our bookkeeping services, so it is important for you to make sure that information is complete and accurate. The bookkeeping service cannot be relied upon to discover errors, fraud deflections or other irregularities, should any exist.
Business Tax Advisory Sessions: You can meet with your Expert on a quarterly basis to obtain personalized tax planning recommendations based on your information provided.
Quarterly Expert Reviews: Your Expert will be available to meet with you at least once per calendar quarter to deliver quarterly tax estimates, and review and reconcile your books.
TurboTax Expert Full Service: TurboTax Experts are available to prepare 2026 tax returns starting January 5, 2027. One-day preparation and filing availability depends on start time, the complexity of your return, is based on completion time for the majority of customers, and may vary based on Expert availability. A tax preparation assistant will validate the customer’s tax situation during the welcome call and review uploaded documents to assess readiness and ability to file same-day. All tax forms and documents must be ready and uploaded by the customer for the tax preparation assistant to refer the customer to an available Expert for live tax preparation. The TurboTax Terms of Service apply to your use of TurboTax Expert Full Service and Expert 365 Business. As described more in those Terms, the following Guarantees apply to your use of TurboTax Expert Full Service: TurboTax Accurate Calculations Guarantee - Business Tax Returns, TurboTax Maximum Savings Guarantee - Business Tax Returns, and TurboTax Audit Support Guarantee - Business Tax Returns.

In addition to the above Expert 365 Business subscription features, you have access for 1 user license to the QuickBooks Simple Start product. QuickBooks Simple Start offers features such as receipt capture, tracking income and expense, tracking miles and running financial reports on any device (mobile and web). The cost of QuickBooks Simple Start is included in the displayed pricing, but this subscription is sold separately from Expert 365 Business. The QuickBooks Terms of Service apply to your use of QuickBooks Simple Start.

Cancelation: Expert 365 Business is billed on a monthly basis of $61, and QuickBooks Simple Start is billed on a monthly basis of $38, your subscription will automatically renew each month on your account’s billing date until you cancel. You may cancel your subscription at any time by navigating to the Account & Settings section of your Expert 365 Business account and selecting “Cancel.” You will not receive a pro-rated refund; your access and subscription benefits will continue for the remainder of the billing period.

Cancelation of your Expert 365 Business subscription will not impact your QuickBooks subscription. You will continue to receive all QuickBooks benefits and incur ongoing monthly charges until you separately cancel your QuickBooks subscription. Your Expert 365 Business subscription is dependent upon maintaining an active QuickBooks subscription. As a result, cancelation of your QuickBooks subscription will result in a concurrent cancelation of your Expert 365 Business subscription.

TURBOTAX DESKTOP GUARANTEES

TurboTax Desktop Individual Returns:

100% Accurate Calculations Guarantee - Individual Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we'll pay you the penalty and interest. You are responsible for paying any additional tax liability you may owe. Excludes payment plans. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.
Maximum Refund Guarantee / Maximum Tax Savings Guarantee - or Your Money Back - Individual Returns: If you get a larger refund or smaller tax due from another tax preparation method by filing an amended return, we'll refund the applicable TurboTax federal and/or state software license purchase price you paid. You are responsible for paying any additional tax liability you may owe. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.
Audit Support Guarantee - Individual Returns: If you receive an audit letter from the IRS or State Department of Revenue based on your 2025 TurboTax individual tax return, we will provide one-on-one question-and-answer support with a tax professional, if requested through our Audit Support Center, for audited individual returns filed with TurboTax Desktop for the current 2025 tax year and, for individual, non-business returns, for the past two tax years (2023, 2024). Audit support is informational only. We will not represent you before the IRS or state tax authority or provide legal advice. If we are not able to connect you to one of our tax professionals, we will refund the applicable TurboTax federal and/or state license purchase price you paid. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.
Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TurboTax Desktop Business Returns:

100% Accurate Calculations Guarantee - Business Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we'll pay you the penalty and interest. You are responsible for paying any additional tax liability you may owe. Excludes payment plans. Additional terms and limitations apply. See License Agreement for details.
Maximum Tax Savings Guarantee - Business Returns: If you get a smaller tax due (or larger business tax refund) from another tax preparation method using the same data, TurboTax will refund the applicable TurboTax Desktop Business license purchase price you paid. Additional terms and limitations apply. See License Agreement for details.
Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TURBOTAX DESKTOP DISCLAIMERS

Installation Requirements: Product download, installation and activation requires an Intuit Account and internet connection. Product limited to one account per license code. You must accept the TurboTax License Agreement to use this product. Not for use by paid preparers.
TurboTax Desktop Products: Price includes tax preparation and printing of federal tax returns and free federal e-file of up to 5 federal tax returns. Additional fees may apply for e-filing state returns. E-file fees may not apply in certain states, check here for details. Savings and price comparison based on anticipated price increase. Software updates and optional online features require internet connection. Desktop add-on products and services purchased are non-refundable.
Fastest Refund Possible: Get your tax refund from the IRS as fast as possible by e-filing and choosing to receive your refund by direct deposit. Tax refund time frames will vary. The IRS issues more than 9 out of 10 refunds in less than 21 days.
Average Refund Amount: $3,453 is the average refund amount American taxpayers received in the 2024 filing season based upon IRS data as of February 21, 2025 and may not reflect actual refund amount received. Each taxpayer's refund will vary based on their tax situation.
TurboTax Technical Support: Customer service and technical support hours and options vary by time of year.
Deduct From Your Federal or State Refund: Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 Refund Processing Service fee applies to this payment method. Prices are subject to change without notice.
Data Import: Imports financial data from participating companies; Requires Intuit Account. Quicken and QuickBooks import not available with TurboTax installed on a Mac. Imports from Quicken (2023 and higher) and QuickBooks Desktop (2024); both Windows only. Quicken import not available for TurboTax Desktop Business. Quicken products provided by Quicken Inc., Quicken import subject to change.
Live Tax Advice: Access to tax experts to obtain answers to tax questions and to assist with tax year 2025 return(s) prepared with TurboTax Desktop software. Additional fees may apply. Must be purchased and used by October 31, 2026. Excludes TurboTax Desktop Business. See License Agreement for details.
Audit Defense: Audit Defense is a third-party add-on service provided, for a fee, by TaxResources, Inc., dba Tax Audit. See Membership Agreements at https://turbotax.intuit.com/corp/softwarelicense/ for service terms and conditions.

All features, services, support, prices, offers, terms and conditions are subject to change without notice.

Unless otherwise stated, strikethrough prices reflect anticipated late-season pricing (4/1–10/31; for S-corps & partnerships, 5/1–10/31).

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One Big Beautiful Bill: Charitable Deduction Changes for 2026

Key Takeaways

How did the “One Big Beautiful Bill” change charitable deductions for 2026?

How does the Charitable Deduction for Non-Itemizers work?

TurboTax Tip:

What’s the 60%-of-AGI limitation on charitable contributions?

How does the 0.5% floor on the itemized deduction for charitable contributions work?

How much was the charitable deduction for whaling captains increased?

Who will be able to claim the tax credit for contributions to a scholarship granting organization?

Frequently asked questions about charitable tax deductions?

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TurboTax Online: Important Details about Filing Simple Form 1040 Returns

Examples of situations included in a simple Form 1040 return (assuming no added tax complexity):

Examples of situations not included in a simple Form 1040 return:

* More important offer details and disclosures

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TurboTax Online/MOBILE OFFERS & PRICING:

TurboTax Online/MOBILE:

TURBOTAX EXPERT 365 BUSINESS Subscription Terms:

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TURBOTAX DESKTOP DISCLAIMERS

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