@proschke
Pleas edit your question to indicate exactly what Desktop software version you are using (Can't be "Online" since that software isn't available yet).
1) Check the birthyear you put in for her. It has to be 1953 if she turned 72 anytime in 2025.
2) Make sure you didn't add the 1099-R form as belonging to yourself if you are 73 or older during 2025.
3) If 1) and 2) are OK, then the software shouldn't be asking anything about an RMD at all....then perhaps the 2025 software isn't ready for entering that data yet. There should only be a final question, with three options, about having all or part of the distribution transferred to a charity.
4) Don't put a zero in box 2a of the 1099-R form. It's either blank (box checked for taxable amount undetermined), or contains the same $$ amount as in box 1 (if her total IRA contributions contained NO non-deductible contributions...i.e. all will be considered taxable income until the QCD is selected later).
5) make sure a 7 is selected for the box 7 code, and that the IRA/SEP/Simple box is checked. Perhaps the software might have the "Y" code in a later update, but your actual IRA 1099-R form that you get early next year could still be a 7 even if the Y code is available....should work OK either way.
6) Make sure you've entered all your other expected income first. There are AGI limits to the QCD amount, so the software will need to know all you other income first before it can allow any QCD amounts.
7) IF testing for your 2025 situation, you don't need to enter that QCD 1099-R anyhow, as it won't really affect your AGI for 2025 as long as it doesn't go over whatever QCD limits are in effect for 2025.
8 ) If you have the 2024 desktop software, that might be more accurate using the "What If" worksheet with last year's data transferred to a 2025 column...then changing the various amounts on that worksheet to reflect what you expect for 2025 taxes.
Or...perhaps the 2025 software just isn't really ready for the QCD stuff yet. There are tons of updates yet to be made to the software. Most of us simply do not trust the early version TTX sends out at this time of year to be anywhere close to what is usable...I won't until next January-late.
____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*
