Inherited IRA Withdrawals and Ability to Report Charitable Deductions

Forum|Forum|3 months ago
March 25, 2026
2 replies
49 views

I have two inherited IRAs and my wife has one. We made QCDs with all three accounts. The Step-By-Step process correctly allowed me to enter the 1099-R information and details about the QCD.

When I entered my wife's info. into Step-By-Step it did not provide a box to indicate a portion went to charity.

I went to the 1099-R and attempted to enter the donation manually and it was flagged as an error.

Is there a workaround for this? (I'm tempted just to add her $1,000 QCD to one of my two inherited IRA 1099-Rs.

dmertz

Level 15

To be a QCD, your wife is required to have been age 70½ or over at the time of the distribution. If your wife was under age 70½, the contribution is not permitted to be excluded from AGI and can only be claimed on Schedule A. If TurboTax does not offer the option to report this as a QCD, either the distribution was not reported as being from an IRA (IRA/SEP/SIMPLE box was not marked on the Form 1099-R) or your wife's date of birth entered into 2025 TurboTax is after June 30, 1955, indicating that she could not have reached age 70½ by the end of the year.

ThomasM125

Level 15

I could be that on your spouse's Form 1099-R the IRA box below box 7 is not checked. The distribution needs to be from an IRA retirement account as opposed to a 401-K type pension.

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