What it costs

We make charitable giving accessible, simple, and effective. That's why we have no minimum to open an account and offer the ability to support as many charities as you'd like.

Open a Giving Account

The Fidelity Charitable Giving Account has no minimum initial contribution requirement and one of the lowest annual fees of any donor-advised fund. Total fees for a Giving Account typically amount to about 1% of the balance. That's generally less than the operating costs associated with a private foundation or the fees for donating with a credit card.

Initial
contribution

No minimum

Account balance + additional contributions

No minimum

Minimum
grant

$50

Initial
contribution

No minimum

Account balance + additional contributions

No minimum

Minimum
grant

$50

Simplified fees

Administrative fee + Investment fee = Total fees

Annual administrative fee

0.60% or $100

The Giving Account is generally assessed an annual administrative fee of 0.60% or $100, whichever is greater. Administrative fees are tiered* according to the balance in your Giving Account and help us provide leading technology and services, such as:

Reviewing and issuing donor-recommended grants to charities
In-depth grant due diligence
Robust online account portal

Mobile app to recommend grants on the go
Free access to GuideStar Pro
Knowledgeable donor support team

*See tiered fee schedule

Use this calculator to estimate the annual administrative fees for a Fidelity Charitable Giving Account. Just enter the Giving Account balance you expect to maintain and select Calculate fee.

Account balance:

Review our Program Guidelines for a full explanation of the administrative fees.

Investment fees

0.015% to 0.89%

The ability for your contribution to be invested and potentially grow tax-free is a key benefit of a donor-advised fund. Fidelity Charitable provides a variety of investment pools to choose from, and each is subject to the varying operating and management expenses of the mutual funds that comprise each pool. The expense ratios listed below reflect the fees assessed by the underlying funds of the pools.

Investment pool expense ratios

Asset Allocation Pools

Asset Allocation Pools Expense Ratios
Investment pool	Gross expense ratio	Net expense ratio
Investment pool Asset Allocation 85% Equity Pool	Gross expense ratio 0.59%	Net expense ratio 0.56%
Investment pool Asset Allocation 70% Equity Pool	Gross expense ratio 0.59%	Net expense ratio 0.55%
Investment pool Asset Allocation 60% Equity Pool	Gross expense ratio 0.58%	Net expense ratio 0.55%
Investment pool Asset Allocation 50% Equity Pool	Gross expense ratio 0.48%	Net expense ratio 0.45%
Investment pool Asset Allocation 40% Equity Pool	Gross expense ratio 0.49%	Net expense ratio 0.47%
Investment pool Asset Allocation 30% Equity Pool	Gross expense ratio 0.50%	Net expense ratio 0.47%
Investment pool Asset Allocation 20% Equity Pool	Gross expense ratio 0.48%	Net expense ratio 0.45%

Index Pools

Index Pools Expense Ratios
Investment pool	Gross expense ratio	Net expense ratio
Investment pool Domestic stock: total market index	Gross expense ratio 0.015%	Net expense ratio 0.015%
Investment pool Foreign stock: international index	Gross expense ratio 0.035%	Net expense ratio 0.035%
Investment pool Bond: U.S. bond index	Gross expense ratio 0.025%	Net expense ratio 0.025%

Single Asset Class Pools

Single Asset Class Pools Expense Ratios
Investment pool	Gross expense ratio	Net expense ratio
Investment pool Domestic stock: U.S. equity	Gross expense ratio 0.42%	Net expense ratio 0.42%
Investment pool Domestic stock: U.S. equity access	Gross expense ratio 0.34%	Net expense ratio 0.34%
Investment pool Foreign stock: international equity	Gross expense ratio 0.58%	Net expense ratio 0.58%
Investment pool Foreign stock: international equity access	Gross expense ratio 0.67%	Net expense ratio 0.67%
Investment pool Bond: fixed income	Gross expense ratio 0.40%	Net expense ratio 0.36%
Investment pool Bond: fixed income access	Gross expense ratio 0.53%	Net expense ratio 0.53%
Investment pool Bond: short-term fixed income access	Gross expense ratio 0.33%	Net expense ratio 0.33%
Investment pool Inflation Protected Bond Index Pool	Gross expense ratio 0.025%	Net expense ratio 0.025%
Investment pool Money market ¹	Gross expense ratio 0.18%	Net expense ratio 0.14%

Sustainable and Impact Investing Pools

Sustainable and Impact Investing Pools Expense Ratios
Investment pool	Gross expense ratio	Net expense ratio
Investment pool Sustainable U.S. Bond Index Pool	Gross expense ratio 0.025%	Net expense ratio 0.025%
Investment pool Sustainable U.S. Index Pool	Gross expense ratio 0.11%	Net expense ratio 0.11%
Investment pool Sustainable U.S. Index Access Pool	Gross expense ratio 0.17%	Net expense ratio 0.17%
Investment pool Sustainable International Index Pool	Gross expense ratio 0.20%	Net expense ratio 0.20%
Investment pool Environmental Impact Access Pool	Gross expense ratio 0.93%	Net expense ratio 0.93%

Charitable Legacy Pool

Charitable Legacy Pool Expense Ratio
Investment pool	Gross expense ratio	Net expense ratio
Investment pool Charitable Legacy Pool	Gross expense ratio 0.66%	Net expense ratio 0.65%

¹The underlying mutual fund investment(s) of the Money Market Pool have an expense cap in place. An expense cap is a limit that Fidelity has placed on the level of the expenses borne by the fund. The cap is voluntary and indicates the maximum level of expenses (with certain exceptions) that the fund would be paying at that time. The Expense Cap may be terminated or revised at any time, which may lower the fund’s yield and return.

Total fee examples

See the hypothetical examples below for how the Giving Account administrative fee and fees from the underlying investments are calculated based on the Giving Account balance.

Account balance	Administrative fee*	Investment fee**	Total fee	Hypothetical investment growth***
Account balance $10,000	Administrative fee* $100	Investment fee** $45	Total fee $145	Hypothetical investment growth*** $896
Account balance $100,000	Administrative fee* $600	Investment fee** $450	Total fee $1,050	Hypothetical investment growth*** $8,963
Account balance $250,000	Administrative fee* $1,500	Investment fee** $1,125	Total fee $2,625	Hypothetical investment growth*** $22,408
Account balance $500,000	Administrative fee* $3,000	Investment fee** $2,250	Total fee $5,250	Hypothetical investment growth*** $44,816

*Additional fees may apply for Giving Accounts enrolled in the Charitable Investment Advisor Program.

**Based on investment in the Asset Allocation 20% Equity Pool for one year. While the investment fees will vary depending on how the Giving Account balance is allocated, the administrative fee is only based on the balance itself. View all investment options

***Based on the average annual one-year return from the Asset Allocation 20% Equity Pool for June 30, 2026. View all pool performance

The fees in this chart are based on an average annual balance in your Giving Account for one year. If you recommend grants that reduce this amount, the balance in your Giving Account will be assessed accordingly. The administrative fee is assessed by Fidelity Charitable and covers our costs, whereas the investment fee is dependent on the underlying fund(s) in each pool. Additional average annual returns:

Additional average annual returns:

Asset Allocation 20% Equity Pool
Performance of	Average annual
Performance of	1 yr	3 yr	5 yr	10 yr
Performance of Asset Allocation 20% Equity Pool ¹	Average annual 1 yr 8.96%	Average annual 3 yr 7.25%	Average annual 5 yr 2.95%	Average annual 10 yr 3.91%
Performance of Underlying Fund: Fidelity Asset Manager 20%	Average annual 1 yr 9.56%	Average annual 3 yr 7.87%	Average annual 5 yr 3.56%	Average annual 10 yr 4.53%

¹Pool created 07/01/2011; therefore, historic performance is not available for earlier periods. On 3/28/2024, Fidelity Charitable renamed the asset allocation pools with no change to the underlying mutual fund. The asset allocation pool renaming did not impact pool results. Pool is 100% invested in the underlying mutual fund displayed beneath the pool. Pool results will include a Fidelity Charitable annual administrative fee as described in the Program Guidelines and will therefore differ from the results of the underlying mutual fund.

See the Fidelity Charitable Giving Account Guide for complete fee details.