The OBBBA made charitable deductions harder—here’s the workaround

The OBBBA Made Charitable Deductions
Harder—Here’s the Workaround

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You give to your church, your local school, the charity your best customers care about. You want to support them—and you’d love a tax deduction for it.

But after the OBBBA, the personal charitable deduction is harder to use than ever. In 2026, charitable deductions are only allowed to the extent they exceed 0.5 percent of adjusted gross income—and that’s before the higher standard deduction makes itemizing even less likely.

Here’s the hard fact: A properly structured business deduction reduces both income tax and self-employment tax. A personal charitable deduction reduces only income tax.

Read: Make Church and Charity Gifts Business Write-offs