Raising kids is expensive. Between childcare, activities, groceries, clothing, and medical costs, many parents look closely at their tax returns each year, hoping to find every deduction they legally qualify for.
While reviewing your tax returns, you may notice a section labeled “Gifts to Charity” and wonder: Can my child, aging parent, or other family member be listed there?
The short answer is no—but understanding why can help you avoid costly mistakes.
What Is a Gift to Charity, Exactly?
A gift to charity refers to a donation made to a qualified charitable organization, not to an individual.
“Tax law defines a gift to charity as a donation given to an eligible charitable organization,” explains Ariful Islam, a finance expert at Sterlinx Global. “These can be cash contributions, non-cash items, or services rendered, but the organization must have tax-exempt status under Section 501(c)(3) of the Internal Revenue Code.”
In simple terms, this includes donations to organizations like food banks, disaster relief charities, educational foundations, or religious institutions—not people.
Why Gifts to Charity Are Tax-Deductible
Charitable contributions can reduce your taxable income if you itemize deductions.
“Listing a gift to charity on your tax return can lower your overall tax burden,” says Dana Ronald, a tax and finance expert and CEO of Tax Crisis Institute. “These deductions are designed to encourage charitable giving, not to offset personal or family expenses.”
Most charitable deductions are limited to a percentage of your adjusted gross income (AGI), often up to 60% for cash donations to public charities.
Can You Ever Claim a Child or Family Member as a Gift to Charity?
No. Claiming a person as a charitable donation is not allowed under IRS rules.
“Donations must be made to qualified charitable organizations to be deductible—not individuals,” says George Birrell, a tax expert. “A child, parent, or other family member does not qualify, regardless of financial need.”
While parents already receive certain tax benefits—such as the Child Tax Credit or dependent exemptions—those are entirely separate from charitable deductions.
Why This Matters for Parents
It’s easy to see how confusion happens. Parents often provide significant financial support to children or extended family members, especially during difficult times. But personal support, even when generous, does not qualify as a charitable gift.
“Even if you’re financially supporting a family member, those payments are considered personal expenses, not charitable contributions,” adds Islam.
Trying to claim otherwise can lead to audits, penalties, and repayment of taxes owed.
What Documentation Is Required for Legitimate Charitable Gifts?
If you do claim charitable deductions, the IRS requires proof.
“Yes, documentation is essential,” explains Birrell. “For contributions over $250, you must have written acknowledgment from the charity. Non-cash donations over $500 require filing Form 8283.”
Charitable organizations keep records of donations, but they do not list individual donors on their tax returns—another reason individuals cannot be claimed as charitable recipients.
What Happens If Someone Claims an Improper Charitable Deduction?
Claiming a false charitable deduction can have serious consequences.
“Listing an improper or false charitable gift is considered tax fraud,” says Ronald. “Penalties may include fines, repayment of taxes with interest, and in severe cases, criminal charges.”
Even unintentional mistakes can trigger audits, making accuracy especially important for families already juggling complex finances.
The Bottom Line for Parents
While kids may feel like a full-time charitable endeavor, they can’t be claimed as one on your tax return. The “Gifts to Charity” section is strictly reserved for qualified organizations—not family members.
If you’re unsure which deductions you qualify for, consult a tax professional before filing. Understanding the difference between personal expenses and charitable contributions can save parents time, money, and unnecessary stress.