topic Re: how to enter QCD amount in Get your taxes done using TurboTax

how to enter QCD amount

brsgita1 — Fri, 20 Feb 2026 03:53:19 GMT

where I can enter QCD

Re: how to enter QCD amount

DawnC — Fri, 20 Feb 2026 03:58:50 GMT

To report a qualified charitable distribution on your Form 1040 tax return, you'll use the 1099-R (even though there's no indication that it was a QCD). Enter the info as a 1099-R and you'll be asked in one of the follow-up questions if it was a Qualified Charitable Distribution.

TurboTax includes the full amount of the distribution reported on your Form 1099-R on line 4a (IRA Distributions) of your Form 1040 or 1040-SR. The taxable amount reported on Line 4b will be the total distribution less the QCD amount and will have "QCD" entered next to it.

Qualifications

You must be 70 1/2 or older to make a QCD. A QCD can be made when you reach the age of 70 1/2, even if you're not subject to RMDs until the age of 72 or 73.
The maximum annual amount that can qualify for a QCD is $108,000. This applies to the sum of QCDs made to one or more charities in a calendar year. If you file taxes jointly, your spouse can also make a QCD from their own IRA within the same tax year for up to $108,000, for a potential total of $216,000.
For a QCD to count toward your current year's RMD, the money must come out of your IRA by your RMD deadline, generally December 31.
Contributing to an IRA may result in a reduction in the QCD amount you can deduct. If you make a deductible IRA contribution after you turn 70 1/2, it'll reduce the amount of the QCD that's excluded in your gross income.

Additional Rules for QCDs

Re: how to enter QCD amount

rbslade1 — Wed, 25 Feb 2026 20:57:51 GMT

I am not being asked the follow up question if any of the didtribution was a QCD. What do I now do?

Re: how to enter QCD amount

DoninGA — Wed, 25 Feb 2026 21:02:47 GMT

@rbslade1 If you are age 70 1/2 or older and the distribution reported on the Form 1099-R is from an IRA, then after completing entry of the 1099-R you will go through a series of screens asking various questions.

On the screen Do any of these situations apply to you? check the box labeled I transferred all or part of this money directly to charity and continue.

Re: how to enter QCD amount

SharonD007 — Wed, 25 Feb 2026 21:08:22 GMT

After you enter your 1099-R, TurboTax will ask you a series of questions regarding your distribution.

Select I transferred all or part of this money directly to charity on the Do any of these situations apply to you? Screen.
Enter the amount that was transferred directly to charity when you get to that screen.

You will get a screen that tells you the amount of your retirement distribution that is designated as a nontaxable Qualified Charitable Distribution (QCD).

Refer to the TurboTax Help article Where do I enter my 1099-R? for navigation instructions.