When you enter 1099-R, you'll be asked in one of the follow-up questions if it was a Qualified Charitable Distribution.
TurboTax includes the full amount of the distribution reported on your Form 1099-R on line 4a (IRA Distributions) of your Form 1040 or 1040-SR. The taxable amount reported on Line 4b will be the total distribution less the QCD amount and will have "QCD" entered next to it.
QCDs are limited to the amount that would otherwise be taxed as ordinary income.
A distribution made directly to the IRA owner, who then gives it to a charity, doesn't qualify as a QCD.
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