topic I âm donating 100% of IRA RMD automatically to a qualified charity. Where do I indicate this? Can I still use the married filing jointly standard deduction also? in Retirement tax questions

I âm donating 100% of IRA RMD automatically to a qualified charity. Where do I indicate this? Can I still use the married filing jointly standard deduction also?

jtkalinka — Wed, 11 Feb 2026 10:54:32 GMT

The donation will be direct. I never touch the funds.

Re: I âm donating 100% of IRA RMD automatically to a qualified charity. Where do I indicate this? Can I still use the married filing jointly standard deduction also?

DoninGA — Thu, 21 Nov 2024 23:09:57 GMT

You will be able to indicate that the amount of the IRA withdrawal was for QCD in the section for reporting a Form 1099-R.

You can still file your tax return as Married Filing Jointly. The QCD does not affect your filing status.

The 2024 TurboTax desktop editions will have the section for entering a Form 1099-R available on 01/11/2025.

To enter, edit or delete a form 1099-R -

Click on Federal Taxes (Personal using Home and Business)
Click on Wages and Income (Personal Income using Home and Business)
Click on I'll choose what I work on (if shown)
Scroll down to Retirement Plans and Social Security
On IRA, 401(k), Pension Plan Withdrawals (1099-R), click the start or update button

Or enter 1099-r in the Search box located in the upper right of the program screen. Click on Jump to 1099-R

Re: I âm donating 100% of IRA RMD automatically to a qualified charity. Where do I indicate this? Can I still use the married filing jointly standard deduction also?

Bsch4477 — Thu, 21 Nov 2024 23:12:06 GMT

When you report your 1099-R you will be asked if any and how much was a qualified charitable contribution.

Re: I âm donating 100% of IRA RMD automatically to a qualified charity. Where do I indicate this? Can I still use the married filing jointly standard deduction also?

VolvoGirl — Thu, 21 Nov 2024 23:20:17 GMT

Yes you can still take the Joint Standard Deduction. After you enter the 1099R it will ask if you made a QCD Qualified Charitable Distribution. That's all you do. It will show up on 1040 line 4a but not be taxable and put QCD by 1040 4b.

Re: I âm donating 100% of IRA RMD automatically to a qualified charity. Where do I indicate this? Can I still use the married filing jointly standard deduction also?

VolvoGirl — Thu, 21 Nov 2024 23:22:06 GMT

Here's a screen shot from last year