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Level 1

Charity contributions direct from IRA

I want to write checks to charities directly from my IRA so they count as Required Minimum Distribution(RMD) but are not taxable.  Fidelity says the tax from they send me will include the entire RMD and somehow I have to tell the IRS that part of that is non taxible.  How does Turbo tax handle this situation?   With the increased standard deduction it seems the way to go. 

I have to leave soon so replies to [email address removed] would be good.  Also I've never used this system so not sure how I'll read an online answer. 

2 Replies
Returning Member

Charity contributions direct from IRA

I have the same problem.  The gross amount of my IRA transfer is shown and is taxable at that point).  Does TurboTax have an offset for the amount of transfer that was sent to my church and is not taxable (NOT the whole IRA transfer went to charity)  ?

Expert Alumni

Charity contributions direct from IRA




"Does TurboTax have an offset for the amount of transfer that was sent to my church and is not taxable (NOT the whole IRA transfer went to charity?"




Enter your 1099-R. Work through the subsequent screens until you see "About This Retirement Account" (you will see this only if you were 70 1/2 last year).


Answer "Yes, some or all of this withdrawal was an RMD".


This will expose a new line -  answer whether part or all the the withdrawal was an RMD.


If you answered "part", then a new line will ask "how much applies to the RMD".



Then the next screen is titled: "Transfer to Charity?" Here you can indicate that part of the distribution was sent to charity. The dollar amount you enter will be treated as the QCD (qualified charitable distribution) and will be excluded from your taxable income in line 4b. 


Remember that one of the benefits of the QCD is that it can count towards your RMD, which allows you to take the RMD and not pay tax on any part of it that was a QCD.


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