Your Mission Support Account
Current balance and expected support
$
Your mission support account balance today
$
Expected monthly recurring donations
$
One-time gifts expected this year
$
Ministry costs expensed pre-tax
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Advanced: Fee Rates
Admin 5% · MPD 1.9% · CC 2.5%/10% · Tax 8.5%
Admin Allocation
%
Applied to all donations
MPD Allocation
%
Applied to all donations
CC Processing Fee
%
On credit card donations
CC Donation Share
%
% of donations via card
Payroll Tax Rate
%
FICA withheld on top of salary
Note: These reflect standard fee structures. Verify with your organization's financial team if unsure.
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Enter your mission support account details above to see your recommended salary caps.
Maximizing Your Mission Support Account
Principles for keeping your balance close to zero
Target Zero by Semester
Rather than targeting zero at year-end, this tool optimizes per semester — so you pull more money out when you have more income, and adjust as giving patterns change.
Fundraising Season Surge
Many missionaries receive large one-time gifts during the summer. Map those gifts into the correct months so your fall salary cap reflects your true available income.
Expense Everything You Can
Mission expenses paid pre-tax reduce your taxable income. Keep receipts for anything mission-related — travel, supplies, ministry costs.
Recalculate Each Semester
Support levels change. Recalculate at the start of fall and spring — or any time a major donor significantly changes their gift.
Advanced: Account & Tax Snapshot
Drain timeline and estimated federal tax on your salary
$
Balance in account today
$
Total support deposited each year
#
How many years left before departure
$
Pre-tax expenses drawn each year
$
Spouse income or other W-2
Enter your balance and years remaining above to see your drain timeline and tax snapshot.
Employer retirement match: If your organization's match increases significantly at an upcoming tenure milestone, holding a higher balance to fund living expenses while maximizing retirement contributions may be worth modeling further.
Investment loss harvesting: If you anticipate significant investment losses in a future year, a coordinated large distribution that year could reduce your net tax burden — but requires planning well in advance.
Investment loss harvesting: If you anticipate significant investment losses in a future year, a coordinated large distribution that year could reduce your net tax burden — but requires planning well in advance.