Kerdora has an optional Giving feature for clients with charitable contributions worth calling out separately from general expenses. When it's on, giving is entered as its own category, tracked separately from spending, and renderable as a standalone Giving component in the client's Guide.
Giving is off by default. You turn it on per client.
Turning giving on for a client
Open the client, go to Profile > Household, and flip the Enable giving toggle. When giving is on:
A Giving section appears on the client's Cashflow tab for data entry.
The onboarding wizard's Expenses step adds a Total Annual Giving field alongside Total Annual Spending.
Spending calculations exclude giving (so you don't double-count).
The Giving Guide component becomes available in the Overview editor.
Turn it off again and the giving entries are preserved but stop affecting calculations.
Entering giving
Go to Profile > Cashflow > Giving to add entries. Each giving entry has:
Name. The recipient or category (e.g., "Local church," "DAF contribution," "United Way").
Giving type. Amount (dollar figure) or Percentage of income.
Amount — if type is Amount, the dollar value.
Percentage + source income — if type is Percentage, the percentage and which income source (or total household income) it applies to.
Frequency. Weekly, Monthly, Quarterly, Semi-annually, or Annually. Kerdora converts everything to an annual figure for planning.
Tax deductible toggle. When on, the entry is flagged for the tax scenario builder.
Notes — the standard internal/client-visible notes field.
You can add as many entries as you want. The total annual giving is summed across all entries and rolls into the Guide component and tax scenarios.
The Giving Guide component
In the Overview editor, drag the Giving component from the left sidebar into a Guide. It renders a simple table:
Each giving entry by name
The amount (monthly or annual, based on the Guide's display mode setting)
A "Tax deductible" subscript where applicable
A totals row
If the client has no giving entries yet, the component shows "No giving entries yet." If giving is turned off for the client, the component renders nothing — so you can safely leave it in a template and it'll just hide for clients who don't use it.
How giving interacts with planning
Cash Flow Sankey. Giving shows up as its own outflow branch, distinct from spending.
Tax scenarios. Tax-deductible giving rolls into the itemized-deductions figure in the tax scenario builder, so the client's taxable income reflects charitable deductions.
Goals calculators. The Retirement and Liquidity goal calculators use Total Spending (excluding giving). Giving is modeled as a separate line — the calculators don't automatically reduce the retirement-spending target when giving is added, so if the client wants to keep giving the same in retirement, bake that into their spending target yourself.
Tips
Default to off. Most advisors don't need the Giving feature for most clients. Leave it off unless there's a reason the client wants giving shown separately — high-giving households, clients doing DAF or QCD planning, or anyone where charitable strategy is a real planning conversation.
Use percentage of income when it fits. Tithing and percent-of-income giving stay accurate as income changes — you won't have to update the dollar figure every time a salary moves. For fixed dollar commitments (monthly church pledge, annual DAF contribution), use Amount.
Tax deductible matters. Make sure the tax-deductible flag is right on each entry; it's what lets the tax scenario builder pick giving up as an itemized deduction.