For The Love of Charlotte.

Today & Tomorrow.

For the Love of Charlotte, your legacy begins today. Find the giving approach that works for you and carries your impact into Charlotte's tomorrow.

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Gift Annuity

A charitable gift annuity is a meaningful way to support UNC Charlotte while receiving dependable, fixed payments for life. If you're looking for stability in an unpredictable market, a gift annuity can provide steady income and the satisfaction of investing in the future of our University.

A Special Opportunity for Donors Age 70½ and Older

Federal law allows donors age 70½ or older to make a one time Qualified Charitable Distribution (QCD) from their IRA to establish a charitable gift annuity. For 2026, this special opportunity is available up to $55,000.

This option allows you to create lifetime income while supporting the mission of UNC Charlotte. To learn more, please contact us.

Benefits of a charitable gift annuity

Receive fixed payments for life for you or another beneficiary
Enjoy a charitable income tax deduction for the gift portion of the annuity
Benefit from payments that may be partially tax-free
Support UNC Charlotte's mission in a lasting and meaningful way

Charitable gift annuity video

How a charitable gift annuity works

A charitable gift annuity is a way to make a gift to support UNC Charlotte.

You make a gift of cash or appreciated securities to UNC Charlotte.
In return, you receive fixed payments for life, with rates based on your age.
You receive a charitable income tax deduction for a portion of your gift.
You create a legacy that strengthens opportunities for future generations of Niners.

If you decide to fund your gift annuity with cash, a significant portion of the annuity payment will be tax-free. You may also make a gift of appreciated securities to fund a gift annuity and avoid a portion of the capital gains tax. Please contact us to inquire about other assets that you might be able to use to fund a charitable gift annuity.

Gift annuity options

Current charitable gift annuity (payments begin within one year). With a current gift annuity, you may transfer cash or property in exchange for our promise to pay you fixed payments beginning as early as this year. You will receive an income tax charitable deduction this year for the value of your gift to UNC Charlotte.
Deferred charitable gift annuity (for payments at future date). With a deferred gift annuity, you establish your gift today and choose a future date for payments to begin — often timed with retirement or another milestone. Because payments start later, your annual payout is typically higher. You also receive a charitable income tax deduction in the year you create the annuity.
Flexible deferred charitable gift annuity (gives you flexibility as to when the payments will start). A flexible deferred gift annuity offers the greatest adaptability. You receive a charitable deduction now, and you retain the freedom to decide when payments will begin at any point in the future. This option is especially helpful if you want to plan ahead but prefer to keep your timing open as your needs evolve.

Explore Your Options

You're welcome to explore your potential payment rate using the charitable gift annuity calculator on this page. When you're ready, we would be glad to prepare a personalized illustration that reflects your goals, timing, and the impact you want to make at UNC Charlotte. Many donors find that seeing their own numbers helps them plan with confidence and understand how their gift can shape opportunities for future Niners.

Contact us

If you choose to establish a charitable gift annuity with UNC Charlotte, we would be honored to welcome you into the Bonnie E. Cone Society in recognition of your generosity.

If you have any questions about charitable gift annuities, please contact us. We would be happy to assist you and answer your questions.

Booklet

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Calculate Benefits

The charitable gift annuity calculator generates a printable presentation that shows how you can benefit from fixed payouts that may be partly tax free plus a charitable tax deduction.

* Required fields

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Number of Beneficiaries

One Two

Click the appropriate button for a presentation of one or two beneficiaries. Selecting one beneficiary will cause the second beneficiary and the associated name and birthdate fields to be hidden from view.

First Beneficiary

Enter the name of the person. You may use such titles as "Mr.", "Mrs.", "Dr.", "Rev.", "Jr.", "Sr.", etc. For the remainder unitrust the first person is the first income recipient or beneficiary of the agreement.

First beneficiary is required

Birthdate

Month:

Day:

Year:

Please enter a valid birthdate for the first beneficiary

Birth month of the first beneficiary is required

Birth day of the first beneficiary is required

Birth year of the first beneficiary is required

You may enter the age of the person instead of the birth date. However, if the birth date is known, enter the birth date. Since ages are to be rounded up if the gift date is within six months of the next birth date, entering the birth date is the most accurate method.

Second Beneficiary

Second beneficiary is required

Birthdate

Month:

Day:

Year:

Please enter a valid birthdate for the second beneficiary

Birth month of the second beneficiary is required

Birth day of the second beneficiary is required

Birth year of the second beneficiary is required

Income Tax Rate

Select the current federal income tax rate of the donor. This will be used to project possible income tax savings. If you are uncertain about the correct rate, you may choose one of the middle rates. For many people, this will be close to their actual income tax rate.

Property Value $

Please enter a valid property value

Property value is required

Enter the amount of cash or the fair market value (FMV) of the asset(s) used to fund the CGA. For assets such as real estate, closely-held stock and other hard to value assets, the FMV is the appraised value of the property on the date of the gift.

Cost Basis $

Please enter a valid cost basis

Cost basis is required

Enter the cost basis of the asset being used to fund the trust or annuity. If the asset is cash, the cost basis is equal to the gift amount. If it is appreciated property, the cost basis will most likely be the amount you originally paid for the property. The cost basis is used to determine the capital gains tax which will be bypassed as a result of selling the asset. If the cost basis is not known or cannot be proven, the IRS assumes the cost basis to be $0. If cash funds the gift annuity, enter the same value as "Value of Property."

Payment Frequency

Select either monthly, quarterly, semiannual, or annual income payments to the beneficiary(ies) of the income. The choice of payment frequency does affect the amount of the charitable deduction as the more frequent the payment (i.e. monthly as opposed to annually), the smaller the donor's tax deduction.

Under the Internal Revenue Code, the charitable income tax deduction must be at least 10% of the initial value. The payout amount has been lowered to qualify under the IRS 10% deduction test. This calculation includes a safety factor of 0.04%. The deduction factor will be 0.10040 or greater. The Maximum Payout Rate by Crescendo 10% Deduction Test: cres_calc_maxrate10

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