Donate
Securities and
Mutual Funds
Discover the most tax-efficient way to donate to your favourite charities and help the causes you care about.
Give More.
Get More Back.
CanadaHelps makes it easy to donate securities, including stocks, bonds, and mutual funds, to any charity in Canada. It’s better for you and your favourite charities.
While we will continue to process donations of securities up until December 30th, to best ensure your gift qualifies for a 2024 tax receipt, complete your mutual funds donation before December 6th or all other securities donations before December 13th.
Benefits of
Donating Securities
Reduce Capital Gains Taxes
In most cases, donating appreciated stocks, mutual funds or stock options means you pay no tax on the capital gains. Or save your charitable tax credits for future tax returns within 5 years of the transaction.
Instant Tax Receipts
You receive the charitable tax receipt for the market value on the date the security is received by our broker. Learn about charitable tax credits.
Choose Your Charities
At CanadaHelps, you can choose from over 85,000 registered Canadian charities. You can also choose multiple charities!
Make a bigger impact
when you donate
securities directly
By donating securities directly to a charity as opposed to selling them and donating the proceeds, the capital gains tax can be eliminated. This means more money for the charity and a greater charitable tax credit for you.
| Sell securities for cash. Donate after-tax proceeds. | Donate securities directly using CanadaHelps | |
|---|---|---|
| Original Cost of Securities | $1,000.00 | $1,000.00 |
| Current Market Value | $5,000.00 | $5,000.00 |
| Capital Gain | $4,000.00 | $4,000.00 |
| Tax on Capital Gains | $920.001 | $0.00 |
| Donation Amount After-Tax | $4080.002,3 | $5,000.003 |
| Your Charitable Tax Credit | $1,876.001 | $2,300.001 |
| Your charity gets $920 more! |
Your charitiable tax credit is $424 more! |
Hide footnotesFootnotes
- This assumes a 46% marginal tax rate. For calculating capital gains tax, this rate is applied to 50% of the capital gain. Note: As of June 25, 2024, the capital gains inclusion rate for individuals increased from one half (50%) to two thirds (66.67%) on the portion of capital gains realized in the year that exceed $250,000. The Alternative Minimum Tax (AMT) is a parallel tax calculation that allows fewer deductions, exemptions, and tax credits than under ordinary income tax rules. The taxpayer pays the AMT or regular tax, whichever is the higher, depending on their individual income and tax profile.
- $4,080.00 represents the full value of $5,000.00 minus estimated tax of $920.00.
- 3% fee applies to donations less than $10,000; 2.5% fee applies to donations between $0,000-$49,999; 2.25% fee applies to donations between $50,000-$99,999; 2% fee applies to donations $100,000+.
- This material is intended to provide general information and should not be construed as financial or taxation advice without first consulting with your legal and/or financial advisor.
It’s simple and easy. Get started today.
- Fill our online securities donation form. Upon completion, you will receive an email confirming all the details of your pledge.
- Complete the provided Letter of Direction form and send it to your financial advisor or investment firm. This authorizes the transfer of shares to CanadaHelps.
- Once shares are sold, we will send you a confirmation email with your charitable tax receipt and disburse the proceeds to the charities you selected.
- Additional forms may be required by your bank if you are not using a broker or advisor to facilitate your transfer. Please contact your bank for details.
Have questions about donating securities or mutual funds?
Browse our
Frequently Asked Questions
or Email us at
securities@canadahelps.org