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dlbmi
Returning Member

Form 8606 not generating regular IRA for qcd distribution

My wife and I have regular IRAs.  we each had RMDs which we satisfied.  My wife had a QDC to cover her RMD but there is no Form 8606 generated.

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4 Replies
DanaB27
Employee Tax Expert

Form 8606 not generating regular IRA for qcd distribution

To clarify, did your wife make nondeductible contribution and therefore had a basis in the traditional IRA? Please see Who Must File 2025 Form 8606 for additional information.

 

To enter the QCD:

 

  1. Click on "Search" on the top right and type “1099-R”
  2. Click on “Jump to 1099-R” and enter your 1099-R
  3. On the "Do any of these situations apply to you?" screen select "I transferred all or part of this money directly to charity"
  4. Enter the RMD amount for this account on the "Let's get more information about your Required Minimum Distribution (RMD)" screen
  5. Continue until "How much of this distribution applied to your December 31, 2025 RMD?" screen and select "The entire distribution was an RMD"  /or select "Some of this distribution was a RMD" and enter the amount of RMD (if this distribution includes RMD for other IRA accounts then you included the amount here)
  6. Enter how much your transferred to charity

 

 

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dlbmi
Returning Member

Form 8606 not generating regular IRA for qcd distribution

My wife and I both have a basis from previous contributions, but not this year.  The QCD, the RMD are both listed in the right places and are correct.  We had the same situation last year and got a 8606 for each of us.

RobertB4444
Employee Tax Expert

Form 8606 not generating regular IRA for qcd distribution

Are you sure the 8606 isn't generating in the pdf?  Are you currently using the desktop program or the online program?

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dlbmi
Returning Member

Form 8606 not generating regular IRA for qcd distribution

The 8606 is part of the PDF.  It is NOT, however, in the list of FORMS in VIEW FORMS.  The Form 8606-T is in the "Forms in My Return" column, but the Form 8606-S is not in the list.  I kept looking in this list of forms and did not think to look in the PDF.

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