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Level 1
posted Feb 25, 2026 10:02:35 AM

Possible QCD error in TT Deluxe on desktop

There may be a possible error in 2025 TT Deluxe on desktop (Windows) regarding accepting/acknowledging QCD.
When entering RMD that was charitable contribution (i.e. QCD), the TT screen states
     "Amount donated can't be greater than $xxxx across all your 1099-R's"

In fact the amount used to check QCD is against the RMD for that specific account.

The total QCD for my spouse and me is greater than the RMD for any one of our accounts.

The 'fix' was to enter an amount for each account that was less than the RMD for that account.

The fix is to simply change the wording on the message (especially for couples where QCD can be from separate account owners

See screenshot in following image:

 

2025-TT-Deluxe-QCD.jpg

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1 Replies
Level 15
Feb 25, 2026 10:07:08 AM

No.  The total 1099R across all accounts means ONLY for that 1 person.  You don't combine your RMD and his RMD and QCDs.    IRA stands for INDIVIDUAL Retirement Account.  Couples are reported and kept completely  separate.