Try it with your own situation
Describe a gift, plan a month of gifts, upload a bill, or paste a fundraiser link. Or open a ready-made example.
Your gift
Her check in January 2027
$809
Give the item itself
$1,029
Cash counts as income. $300 minus $80 in exclusions leaves $220 counted in November, so her January 2027 check would be $809. Giving the item itself keeps her January 2027 check at $1,029.