How do you calculate tithes? And is there a "right" amount to tithe? Use this free calculator to find out how much you should give to your church.
Paying a tithe is one way to support the work your church does.
But how much are you expected to give?
With this calculator, find out how much you should tithe per day, week, month, and year.
How do I calculate my tithe?
- First, add up your total yearly income before taxes (this is your gross income).
- Then, choose the tithe percentage you'd like to give (example: 10%)
- Move the decimal of the tithe percentage two spots to the left (example: 10 becomes .10)
- Then, multiply that number by your gross annual income (example: $50,000 x .10 = $5,000)
- The result is your yearly tithe amount.
What's the best way to tithe? Most people find online giving platforms to be the easiest way to tithe.
[1] But the best way to tithe is simply whatever way works best for you and your financial situation.
Member FDIC
Expires 12/15/2026
With 6 month boost, you earn:
| Tier |
Boost APY |
| Balance over $5,000 |
4.25%* |
| Balance less than $5,000 |
0.75%* |
After boost is completed, you will continue to earn our best standard rates:
| Tier |
APY |
| Balance over $5,000 |
3.75%1 |
| Balance less than $5,000 |
0.25%1 |
- Needs to use promo code to qualify: Boost50
- Boost lasts 6 months over standard APY
- Tiered account
- $100 minimum account opening
- Member FDIC
- No Monthly Service fees
- No account opening fees
DisclosuresPlatinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.
Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.50% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.
The Promotion begins on September 29, 2026, and ends December 15, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.
The promotion can end at any time without notice.
New CIT Bank Customers: This Platinum Savings APY Boost promotion offer is valid for New CIT Bank customers, who, at account opening, do not have a valid CIT Bank User ID (a "New Customer") or any open CIT Bank accounts provided that the following requirements are met:
- New customers must open a Platinum Savings account with a valid Promo Code, Boost50. The Platinum Savings APY Boost Promo Code will appear on the online account opening enrollment web page. The Promo Code must be used at the time of account opening. Accounts opened during the program period without the Promo Code are ineligible to receive the APY boost.
- The enrolled Platinum Savings account must be open to receive the APY boost during the promotional period.
CIT Bank Customers with an account prior to the promotion: This Platinum Savings APY Boost promotion is valid for a Primary account owner with an existing account with a CIT Bank User ID before the start of the promotion, provided that the following requirements are met:
- Customers without a Platinum Savings account open prior to the Promotion must open a new Platinum Savings account via the enrollment web page using Promo Code Boost50.
- Customers with a Platinum Savings account opened prior to the promotion may enroll their current Platinum Savings account into the Platinum Savings Boost promotion via the enrollment web page using Promo Code Boost50.
- Customers who are not the Primary account owner on a Platinum Savings account may open a new Platinum Savings account as the primary account owner via the enrollment web page using Promo Code Boost50.
- Accounts opened or enrolled during the program period without the Promo Code are ineligible to receive the APY boost.
There is a limit of one Platinum Savings APY Boost promotional offer per account and per Primary customer. If multiple Platinum Savings accounts are opened, only one account per primary account owner is eligible.
There is no minimum account balance requirement to participate in the Platinum Savings APY Boost promotion.
Additional Important Terms
- The Platinum Savings APY Boost promotion may not be combined with other promotions.
- Customers are ineligible to participate in the Platinum Savings APY Boost promotion if:
- They are earning an APY over the standard rate.
- They participated in a previous APY Boost promotion.
- They participated in a cash bonus promotion in the past 6 months.
- Custodial accounts and accounts in the name of a Trust are not eligible.
- This offer is non-transferable.
The value of Platinum Saving Boost will be reported as interest income on IRS Form 1099-INT for the calendar year in which it was paid. The recipient is responsible for any applicable taxes.
For complete list of account details and fees, see our Personal Account disclosures.
Do I pay tithing on gross or net income?
Many people pay tithe on their gross (before-tax) income, which is why our calculator uses gross income.
However, there doesn't seem to be a hard-and-fast rule on how to calculate your tithing.
Ultimately, this choice is up to you. If you find that paying tithes on net (after-tax) income is preferable, go for it.
What is considered a full tithe?
Tithe is typically 10% of your annual gross income.
However, your tithe can be as much or as little as you want. Everyone's financial situation is different and it's up to you to decide how much you're comfortable giving.
For this reason, our tithe calculator lets you choose the percentage you want to give.
According to a study from Subsplash,
77% of regular tithers give between 11% - 20% of their income. However, between 75% and 90% of church members don't pay tithe at all.
[1]How to calculate tithe in retirement?
Many people take different approaches to tithing on retirement income. Here's a few ways you can calculate your retirement tithing:
- Calculate 10% of the fixed income you receive. If you receive Social Security, rental income, a pension, or any other fixed income, you might keep it easy and calculate 10% of that to pay to the church.
- Calculate 10% of your investment income. If your portfolio is generating an income for you via dividends, you might calculate 10% of that as a tithe.
- Calculate 10% of your retirement account distributions. If you receive distributions from a retirement account that you've been paying into, you might tithe 10% of your yearly distribution amount.
Approaching retirement? Figure out how to calculate tithing (along with other essential expenses) into your monthly budget with our
retirement expenses calculator.
Is tithe a charitable donation?
Yes, tithing can count as a charitable donation and is tax deductible.
To deduct your tithing from your taxes, be sure to verify your donation amount with either a bank record or written acknowledgement from your church.
According to H&R Block, if any of your cash donations exceed $250, you must get a receipt from the church. In this case, a bank record won't count as verification.[2]
Bottom Line
Tithing is important to many churches, and it helps fund the work they do in their community. If you decide to tithe, use this calculator to figure out how much you'll give per week, month, and year. And remember, there's no "right" way to tithe - anything you decide to give is surely appreciated.
References
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
