Inherited IRA Withdrawals and Ability to Report Charitable Deductions

[shieldhouse]

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]

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]

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.