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May 5, 2019
8:03:12pm
Acorn All-American
To put it simply, if your SALT plus your mortgage interest is less than
the standard deduction, you should bunch your donations. Essentially the difference is the opportunity to save on taxable income.

I think that is what you said in your last sentence, that your SALT plus mortgage interest exceeds your standard deduction. If so, there isn't a benefit to bunch from a tax deduction standpoint.

I worked up a little spreadsheet where you can input your specifics - if you want it, send me a board mail with your email and I will send it to you.
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Acorn
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