topic Confusing QCD vs. Charities entry in Deductions & credits

Confusing QCD vs. Charities entry

Basenji — Wed, 04 Mar 2026 20:06:13 GMT

If you have entered a 1099-R for an RMD and made QCDs from that income, where are the QCDs entered? Not talking about the entry questions when entering the 1099-R. Where does specific information for QCDs get entered?

Under the 'Walk me through everything' approach in the Deductions & Credit section, on the 'Your charities and donations' page, TT has no specific details on what source of donation should be entered. By 'source' I mean a QCD donation or a donation made from a non-RMD/1099-R source.

More details at this page identifying what should be entered at this page would be extremely helpful.

Re: Confusing QCD vs. Charities entry

VolvoGirl — Wed, 04 Mar 2026 20:11:22 GMT

Sorry but you do enter the QCD under the 1099R entry.

After you enter form 1099-R keep going. If you have entered a birth date which makes you older than 70 1/2 there will be a page that asks Do any of these situations apply? Midway down is Were any of these funds sent directly to a charity? Then it will ask for the amount.

The code in box 7 of form 1099-R must be 7 (or new code Y) and the little IRA/SEP/SIMPLE box must be checked. A IRA QCD should be 0 taxable on 1040 line 4b and the QCD box checked. Unless you have other 1099R taxable amounts on 4b. You can’t do a QCD from a 401K.

For QCD there is a new checkbox on the 1040 line 4.

4a is the amount of the IRA distribution.

4b is the taxable amount.

4c has 3 checkboxes. Checkbox 2 is for QCD.

Re: Confusing QCD vs. Charities entry

VolvoGirl — Wed, 04 Mar 2026 20:19:55 GMT

And the Deductions & Credits section does not need to know about a QCD because it is not a deduction. It is not part of your taxable income in the first place.

Re: Confusing QCD vs. Charities entry

dmertz — Wed, 04 Mar 2026 20:28:54 GMT

Specific details of a QCD are not to be included anywhere in you tax return. In the unlikely event that the IRS questions the QCD, they will ask for supporting documentation.