It’s nearly the end of the year, the traditional time for giving but before opening your wallet, you should know how tax rules are changing so you can maximize your gifts.

Charitable tax deductions are about to see the biggest changes in nearly a decade in 2026 thanks to President Donald Trump’s tax and spending package. The new rules affect both itemizers and non-itemizers, but differently. Depending on which you are, financial experts have different advice for how to handle charitable contributions this year and next.

Itemizers should hit fast forward and give their gifts this year, but non-itemizers may want to pause until 2026 to maximize deductions, experts said.

Lee Medora  USA Today