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New Member
posted Mar 5, 2025 5:48:06 PM

Is a Qualified Charitable Distribution from an IRA tax deductible?

I have made a Qualified Charitable Distribution from my IRA in 2024 to a 501(c)(3) charity. I know that the distribution isn't taxable. However, I wonder if I can also count this donation as a deduction on my 2024 tax return?

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2 Replies
Level 15
Mar 5, 2025 5:53:10 PM

No.  It is already not taxed as income.  You can not deduct it again.  Actually it’s better to have it deducted from your IRA distribution (above the line) instead of taking a Schedule A deduction for it.  

Expert Alumni
Mar 5, 2025 5:54:41 PM

No. When you make a Qualified Charitable Distribution (QCD) to a charity, you are able to exclude the distribution from your income.  Therefore, you cannot also take a charitable contribution deduction for it, since it was not included in your income to begin with.

 

Here's some information you may find helpful: What is a Qualified Charitable Distribution?