Non-Profit

How to Write Year-End Appeal Letter + Matching Gift Challenge for 2026

The proven structure for fundraising appeals that motivate urgent giving

By Chandler Supple9 min read

Year-end giving represents 30 to 50 percent of annual nonprofit revenue. The final days of December account for 10 percent of annual giving as donors make tax-deductible contributions before December 31. Effective appeal letters incorporating matching gift challenges double or triple response rates compared to standard requests. According to nonprofit fundraising data, matching gifts increase average donation size by 51 percent while boosting overall participation rates.

What Makes Year-End Appeals Different From Other Fundraising Letters?

Year-end appeals leverage urgency created by December 31 tax deadline. Donors procrastinate throughout the year then concentrate giving in final weeks of December. Your appeal must create sense of immediate need compelling donors to act now rather than later.

Matching gift challenges amplify urgency by creating artificial scarcity. "Every dollar you give will be matched dollar-for-dollar, but only until we reach our $50,000 goal or December 31, whichever comes first." Time limits and fund limits motivate action.

Year-end appeals should acknowledge the entire year's work while focusing ask on specific need or goal. Comprehensive annual report lists all accomplishments. Fundraising appeals focus on one compelling story or urgent need requiring immediate support.

Multiple touches increase response. Send first appeal early November, reminder mid-December, and urgent final appeal December 26-30. Each communication increases intensity and urgency. Final appeal emphasizes tax deadline and diminishing matching funds.

How Should You Structure a 3-Page Year-End Appeal Letter?

Page one opens with compelling story or urgent need. First paragraph must capture attention and create emotional investment. Use specific example of person helped or program need. "Last winter, Maria and her three children slept in their car for six nights before finding our shelter" creates immediate connection.

Introduce matching gift challenge in first half of page one. "A generous donor has pledged $50,000 to match every gift received by December 31. Your $100 becomes $200. Your $500 becomes $1,000." Explain matching clearly using specific examples of how gifts double.

Page two expands on story from page one and connects to broader organizational impact. "Maria represents one of 300 families we helped last year. With your support, we provided temporary shelter, case management, and housing assistance to families experiencing homelessness." Show individual story reflects larger mission.

Include 2-3 bullet points highlighting key accomplishments or statistics. "This year your support helped us provide: 15,000 nights of emergency shelter, Case management for 450 families, Housing placement for 280 people finding permanent homes." Bullets make impact scannable.

Page three contains the specific ask with giving levels. "Will you help us reach our $100,000 matching gift goal? Your gift of $100, $250, $500, or $1,000 will be matched dollar-for-dollar, doubling your impact." Suggest specific amounts rather than leaving blank.

End with clear call to action and deadline. "Please give today at [website URL] or return your gift in the enclosed envelope. Every gift received by December 31 will be matched. Thank you for making twice the impact for families in crisis." Make giving easy with multiple options.

What Story Elements Make Appeals Compelling?

One person's journey creates stronger emotional connection than statistics about many people. Open with Maria's story, not with "We served 300 families." Lead with human experience, follow with numbers showing scale.

Include enough detail to make person real without overwhelming readers. Age, family situation, what brought them to your organization, and specific help they received. "Maria, 32, lost her job as a restaurant server when her car broke down and she could not get to work. Behind on rent, she and her children faced eviction."

Show transformation through your organization's intervention. "Our emergency shelter provided safe place for Maria's family while our case manager helped her apply for rental assistance and transportation support. Within three months, Maria secured stable housing and new employment." Demonstrate change your organization enables.

Use quotes when possible. "I did not know where else to turn. The shelter gave us safety and hope when we desperately needed both," Maria said. Direct quotes in beneficiary's voice create authenticity and emotional resonance.

  • Focus on one well-developed story rather than multiple brief examples
  • Include specific details making person memorable and real
  • Show before and after, demonstrating measurable change
  • Connect individual story to broader organizational mission
  • Protect privacy by changing identifying details with permission

How Do You Explain Matching Gift Challenges Effectively?

State match terms clearly in first half of page one. Who is matching? How much total match is available? What deadline applies? "An anonymous donor will match all gifts up to $50,000 received by December 31." Leave no ambiguity about match terms.

Show match impact with specific examples. "Your $100 gift becomes $200. Your $250 gift becomes $500." Concrete examples help donors visualize doubled impact. Some donors struggle with percentages but understand dollar doubling clearly.

Create urgency by noting match may run out before deadline. "Last year, donors claimed our entire $40,000 match by December 28. This year's $50,000 match may be claimed even faster. Give today to ensure your gift is matched." Scarcity motivates faster action.

Reference match throughout letter, not just in opening. Reminder paragraphs: "Remember, every dollar you give is matched dollar-for-dollar." Consistent reinforcement keeps match top of mind as donors reach giving decision.

What Ask Amounts Should You Suggest?

Provide 4-5 specific giving levels starting above donor's previous gift. If donor gave $100 last year, suggest $150, $250, $500, $1,000, and other. This encourages increased giving while offering range of options.

Connect giving levels to tangible impact. "$100 provides three nights of emergency shelter. $250 supplies a week of case management services. $500 funds housing application assistance for one family." Impact descriptions motivate larger gifts.

Use psychological pricing when appropriate. $99 feels significantly smaller than $100 despite one dollar difference. $495 may attract donors hesitant about $500. Test different price points to find what resonates with your donor base.

Always include sustaining donor option. "Join our monthly giving circle with automatic $25, $50, or $100 monthly gifts." Sustaining donors provide reliable revenue throughout year. Year-end appeals are excellent time to convert one-time givers to monthly supporters.

What Design Elements Strengthen Appeal Letters?

Use bold or highlighting to emphasize key phrases: matching gift deadline, specific ask amounts, and urgency statements. Visual emphasis helps skimmers identify important information quickly. Most donors skim before deciding whether to read carefully.

Include postscript (P.S.) restating deadline and match. "P.S. Remember, your gift will be matched dollar-for-dollar, but only until December 31 or until the $50,000 match is fully claimed. Please give today." Many donors read salutation and P.S. before reading body text.

Add handwritten note on printed letters when possible. Executive director signature in blue ink plus brief personal note makes letter feel individual rather than mass-produced. Personal touches increase response rates significantly for major donor appeals.

Include photo relevant to story told in appeal. Image of family at shelter, program participants, or services in action creates visual connection reinforcing written narrative. People respond to faces, especially children or families in need.

How Should You Deliver Year-End Appeals?

Mail printed letters to donors who have given previously. Direct mail remains most effective fundraising channel for many demographics despite digital options. Mail first appeal to arrive early November, reminder mid-December, final push late December.

Email appeals to full list plus lapsed donors. Email is cost-effective for broader outreach. Send separate email campaigns following same timeline as direct mail. Different subject lines and framing for each send maintains interest.

Social media posts create awareness and drive traffic to donation page. Share story from appeal letter across platforms. Use matching gift messaging consistently. Post updates as match funds are claimed: "$25,000 of our $50,000 match has been claimed. Will you help us reach the full match?"

Personalized outreach to major donors includes phone calls from board members or executive director. Personal invitation to participate in matching gift challenge increases large gift commitments. Major donors appreciate direct communication beyond mass appeals.

What Should You Avoid in Year-End Appeals?

Focusing on organizational needs rather than donor impact weakens appeals. "We need to raise $100,000 to meet budget" centers your needs. "Your gift provides emergency shelter to families in crisis" centers impact donors create. Always frame asks around donor impact, not organizational budget gaps.

Complex matching formulas confuse donors and reduce response. "First $25,000 matched 2-to-1, next $25,000 matched 1-to-1" creates cognitive work. Simple "every gift matched dollar-for-dollar up to $50,000" communicates clearly. Simplicity increases participation.

Weak calls to action fail to motivate. "Please consider giving if you can" lacks urgency. "Give today to double your impact before the December 31 deadline" creates urgency and clear direction. Use strong, directive language in calls to action.

Typos and grammatical errors undermine credibility. Appeals requesting money must be professionally written and carefully proofread. Use River's nonprofit writing tools to catch errors before sending. Quality writing signals organizational competence.

How Do You Measure Appeal Success?

Track response rate (percentage of recipients who give), average gift size, and total revenue. Compare results to previous years and to benchmarks for your organization size and type. Typical direct mail response rates range from 1 to 5 percent depending on list quality.

Analyze which messages and channels performed best. Did email or direct mail generate more revenue? Which subject lines or story themes produced highest response? Apply learnings to future appeals.

Monitor daily giving throughout December. Year-end giving accelerates significantly in final week, especially December 29-31. Be prepared to process high volume of gifts in final days. Ensure donation page remains functional under heavy traffic.

Thank donors immediately. Automated email confirmation sent within minutes, followed by personal thank-you letter within one week. Fast, personal acknowledgment increases likelihood donors give again next year. Gratitude builds relationships that sustain giving over time.

Year-end appeals with matching gift challenges create urgency that motivates generous giving. Combine compelling storytelling, clear matching terms, specific ask amounts, and easy giving options. Use River's fundraising tools to craft appeals that inspire donors to give generously before December 31 deadline.

Chandler Supple

Co-Founder & CTO at River

Chandler spent years building machine learning systems before realizing the tools he wanted as a writer didn't exist. He founded River to close that gap. In his free time, Chandler loves to read American literature, including Steinbeck and Faulkner.

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