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Retirement tax questions
It's possible to be able to take a QCD without needing to take an RMD. If you were born after December 31, 1951, you were not required to take an RMD for 2025 and should not have to fill in an RMD number in TurboTax. But you do need to be at least 70.5 years old at the time of the QCD in order to make one. So if you qualified to make a QCD in 2025 but were born in 1952 or later, that would be why you are unable to access the Step 5 listed above. And in this case, there would be no RMD entry that you need to make.
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‎February 23, 2026
2:46 PM