End-of-Year Giving Benefits: Tax Savings, Legacy Gifts & Stewardship

As the year draws to a close, many believers take time to reflect on God’s goodness, their personal blessings, and the legacy they want their lives to leave. For Christians, generosity isn’t just a financial decision—it’s an act of worship, a declaration of trust, and a powerful way to advance the Gospel in the year ahead.

Scripture reminds us, “Every good gift and every perfect gift is from above” (James 1:17)—a powerful reminder that when we give, we reflect the heart of our generous Father.

End-of-year giving benefits extend far beyond tax advantages—they create Kingdom impact that lasts for generations. Whether you’re passionate about evangelism, discipleship, global missions, or supporting a ministry that has deeply impacted your life, your gift today can help change lives tomorrow.

1. The Spiritual Blessing of Generosity

“It is more blessed to give than to receive” (Acts 20:35).

When you give, you participate in God’s heart—He is a Giver by nature. “For God so loved the world that He gave His only begotten Son” (John 3:16). Your generosity fuels salvation, discipleship, and hope for people who may be hearing the Gospel for the very first time.

End-of-year gifts often support a ministry’s greatest needs—from digital outreach and prayer support to discipleship tools like the Spiritual Growth Hub. Your partnership ensures the Gospel continues to reach people everywhere, exactly when they need it most.

And as Scripture promises, “Whoever sows generously will also reap generously” (2 Corinthians 9:6).

 

2. Key Charitable Giving Benefits at the End of the Year

Your generosity not only impacts lives—it can also provide meaningful financial advantages. Many partners choose to give in December because of these powerful year-end charitable giving benefits.

• Tax-deductible charitable contributions

Donations made by December 31 may reduce your taxable income for the current year.

• Gifts of appreciated stock or assets

Donating appreciated securities can help you bypass capital gains tax—allowing you to give more without increasing your out-of-pocket cost.

• Qualified Charitable Distributions (QCDs) from IRAs

If you are 70½ or older, giving directly from your IRA may satisfy part or all of your Required Minimum Distribution (RMD) while reducing your taxable income. QCD gifts may be up to $108,000 for tax year 2025.

• Donor-Advised Fund (DAF) grants

Recommending a DAF grant before year-end helps you meet annual giving goals and support meaningful Kingdom work.

These giving options help you steward your resources wisely, reflecting the wisdom of “The wise store up choice food and olive oil” (Proverbs 21:20)—a picture of intentional stewardship.

 

3. Legacy Giving: A Lasting Testimony of Faith

Legacy giving empowers you to extend your impact far beyond your lifetime. These planned giving avenues allow you to declare your faith to future generations and support Gospel work for years to come.

Common legacy gift options include:

• Bequests in your will or trust
• Beneficiary designations
• Charitable gift annuities
• Charitable remainder trusts
• Gifts of real estate or other assets

This aligns beautifully with “A good man leaves an inheritance to his children’s children” (Proverbs 13:22)—not only a financial inheritance, but a spiritual one.

Legacy giving creates a testimony that continues speaking long after you’re in Heaven—touching lives through salvation, discipleship, and global outreach.

 

4. Christian Estate Planning: Stewardship for the Next Generation

Estate planning is more than a financial task—it’s an act of stewardship. By preparing your will, organizing your assets, and documenting your wishes, you protect your family and ensure your resources reflect your Christian values.

Thoughtful Christian estate planning may include:

• Providing for family and future generations
• Reducing tax burdens on heirs
• Designating charitable gifts
• Passing on spiritual values

Scripture speaks clearly to this responsibility:

“Be sure you know the condition of your flocks, give careful attention to your herds” (Proverbs 27:23).

When your estate reflects your faith, you leave more than finances—you leave a Kingdom legacy.

 

5. Why Your End-of-Year Gift Matters—Now More Than Ever

Every gift given before December 31 fuels evangelism, discipleship, prayer ministry, Spanish-language outreach, and the global expansion of the Spiritual Growth Hub.

Your generosity helps create:

• More salvation videos
• More discipleship courses
• More prayer support
• More global biblical resources
• More translated Gospel materials

Your gift today becomes someone’s miracle tomorrow—and prepares your harvest because “The generous will themselves be blessed”(Proverbs 22:9).

A Prayer as You Give

“Lord, thank You for every gift You’ve placed in my hands. Guide me as I steward what You’ve entrusted to me. Use my generosity to advance Your Kingdom and bless others. Let my giving reflect Your heart and leave a legacy that honors You. Amen.”

Frequently Asked Questions About End-Year-Giving

Q: What are the most important end-of-year giving benefits for Christians?
Key benefits include tax savings, increased Kingdom impact, opportunities for legacy giving, and aligning your resources with biblical stewardship—reflecting “It is required that those who have been given a trust must prove faithful” (1 Corinthians 4:2).

Q: Can year-end charitable gifts reduce my taxes?
Quite possibly. Donations made by December 31 may reduce your taxable income for the current year. Certain gifts, such as appreciated stock or IRA QCDs, offer additional tax advantages.

Q: What’s the difference between legacy giving and estate planning?
Estate planning ensures your resources are stewarded according to your values and family needs. Legacy giving focuses on the added dimension of how you will be remembered, continuing the impact of your charity after you are home with the Lord and propagating your values in the hearts of your loved ones.

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If you’re ready to explore the next step in your Kingdom legacy, we’re here to help.

Our Legacy Planning Team would love to help you create a more secure future for your family and an eternal legacy of winning souls for God’s Kingodm. Explore resources at https://inspirationpg.org/.