Qualified Charitable Distributions (QCD)

Use QCDs to satisfy your RMD with tax-free charitable giving up to $105,000.

A Qualified Charitable Distribution (QCD) lets you donate directly from your IRA to a qualified charity.

Key benefits

Counts toward your RMD requirement

Not included in taxable income

Available starting at age 70½

You can donate up to $105,000 per year via QCD. This amount is indexed for inflation.

Must be 70½ or older

Distribution must go directly from IRA to charity

Charity must be IRS-qualified (501(c)(3))

Cannot go to a donor-advised fund or private foundation

Enter your planned QCD amount in our owner calculator to see how it affects your withdrawal strategy.

Try it yourself

Use our calculator with your own numbers.

Get a free review of your required minimum distribution strategy with a qualified advisor.