Dealing with a 1099-R that fails to account for a QCD

[cyoungmann]

On 11/25/25 and 11/26/25, $29,000 was distributed from my IRA to 11 charities as a qualified charitable distribution. On 12/9/25, $87,846.12 was automatically distributed as a required minimum distribution, with the custodian ignoring the instructions to reduce this amount by $29,000. On 12/16/25, I deposited $29,000 back into the IRA. The 1099-R from the custodian reports a taxable amount of $116,846.12, which does not account for the $29,000 distributed as a QCD. How do I correctly show this in TurboTax Home and Business?

[dmertz · Accepted solution]

When entering this Form 1099-R into TurboTax:

1.  On the page that asks, "Do any of these situations apply?," mark the box to indicate that you transferred some to charity, then enter $29,000 as the amount transferred.
2. Indicate that your required distribution was $87,846 and that $87,846 of the distribution applied to your RMD.
3. Indicate that you moved the money to another retirement account and that you rolled over $29,000.

TurboTax will include the entire $116,846 on Form 1040 line 4a, only $58,846 on line 4b, and will mark the Rollover and QCD boxes on line 4c.

[cyoungmann]

Thank you very much. Initially, I had imported the 1099-R, and I must have skipped some of those steps.