When a client wants to give, show them what each route really costs: cash or appreciated listed securities in-kind, personally or through the corporation, with the credit, the tax on the accrued gain and the capital dividend account all on one page, then turn it into a client-ready letter.
The calculation is only half the work. CodaraFlow finishes the explanation, the tables, and the client-ready letter.
A gift can go four ways, and each has its own credit, its own tax on the gain and, through a corporation, its own effect on the capital dividend account. Enter the gift once and every route is costed, so the time goes into the advice, not the arithmetic.
Cash or in-kind, personally or through the corporation, costed side by side from the same gift, income and cost figures. Comparing them is not four passes.
Donating listed securities directly is set against selling and giving cash, with the tax on the accrued gain shown eliminated or incurred, so the client sees what the choice is worth.
When the gift exceeds the annual limit, the claimable amount and the five-year carryforward appear as their own rows, so nothing is corrected afterwards.
The summary adapts to a cash or in-kind gift, each donor’s comparison is laid out and footed with the capital dividend account on its own line, and it opens in Word on the firm’s letterhead.
The comparison becomes an advisory letter assembled from approved sections.
This is one of the built-in calculations in CodaraFlow. Enter the gift, or the securities’ market value and cost, and the donor’s income, and it compares selling and donating cash with donating securities in kind, for the client personally, through the corporation, or both.
The number is not the deliverable. In CodaraFlow the result drops straight into a letter section: the firm’s approved wording, a true-cost comparison table per donor with the in-kind advantage in bold, and the notes on receipts, the annual limit and the capital dividend and election requirements, written in for you. Exported as an editable Word document on your letterhead.
The same reviewed explanation, not whatever the preparer types today.
The summary sentence adapts to the donor and the gift: cash-gift wording for cash, and in-kind planning notes for securities.
Each donor's cash / in-kind comparison is laid out and footed automatically, with the capital dividend account on its own line.
Finish it in Word, on your firm’s letterhead. No proprietary format.
The comparison reflects the tax rules that affect the after-tax cost of each donation method. The wording is firm-editable.
A tiered personal credit: the low rates on the first $200 of annual donations, the enhanced rates above, claimable up to 75% of net income with a five-year carryforward.
A capital gain on publicly listed securities donated to a qualified donee has a zero inclusion rate.
The non-taxable portion of a corporate capital gain is added to the capital dividend account and can be paid out tax-free by election; for publicly listed securities donated in kind, the full capital gain is added.
A corporation deducts qualifying charitable gifts in computing taxable income, subject to the same 75% annual limit. The tax saving depends on the applicable corporate tax rate.
The figures are a planning estimate at the rates entered, and assume the donation is made to a qualified donee. Receipting, valuation of the gifted securities, the timing of any capital dividend election, and gifts of private company shares or other property remain professional judgment.
Every calculator produces a planning estimate for a qualified practitioner to review. Renshi CodaraFlow does not give tax advice.
Get a working demo account, run this calculation on a real file, and export the letter it produces.
Everything is computed from the figures you enter and assembled from your firm’s approved wording. The app never connects to AI.
Editable Word documents on your firm’s letterhead. Monthly pricing, no long-term contracts.
No. It’s one of the built-in calculations inside CodaraFlow. The result becomes a client-ready letter section, complete with the per-donor comparison tables and the notes that apply, not just a figure you copy into a client letter.
No. The zero-inclusion comparison is for publicly listed securities donated to a qualified donee. Gifts of private shares and other property follow different rules and remain your professional judgment; the notes say so in the letter.
Yes. Every sentence and every note is firm-editable, and can be overridden on an individual letter.
No. The app never connects to AI. Deliverables are assembled from structured facts and your firm’s approved wording.