Give before the money reaches the checking account. Giver extends Form 145 — the form workers already use to adjust their withholdings — to include recurring donation commitments.
The employee tells their employer, via Form 145, about a recurring donation commitment. The employer adjusts monthly withholding, anticipating the corresponding deduction.
A €240/year commitment translates into roughly €16 less withheld per month: the tax benefit arrives the same month as the donation, not a year later.
Designed to plug directly into flexible-benefits platforms already used by companies — a social benefit at no extra cost to the employer.
Giver 240 (individuals), Giver 145 (via payroll), Giver 48 (short recurrence), B Giver and GiverS (versions for B Corp companies).
Illustrative example based on current deduction brackets. Not a substitute for tax advice.
| Monthly payroll advance | — |
|---|---|
| Net cost perceived | — |
| Real annual cost | — |
The design has been reviewed with tax-law specialists at Universidad Loyola Andalucía and EY's tax advisory practice, and pitched to flexible-benefits platforms as a potential B2B distribution channel.
Technical document — 2026 edition.