Qualified Charitable Distribution

bryanroo · ‎February 17, 2026

Just entered my QCD and decided to send more then the minimum. the 2025 TurboTax only gave

me tax free for the RDM. That must be an error!

DawnC

Did you enter the QCD amount from your 1099-R? 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.

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