IRA owners age 70½ or older. The maximum is about $108,000 per person in 2025 (indexed), paid directly from the IRA to a qualified charity.

QCD Calculator — Qualified Charitable Distribution Tax Savings

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QCD Calculator

Charitable IRA giving • Tax saved

Your RMD this year

QCD amount (gift from IRA) ⓘ

Your federal tax bracket

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Enter your RMD and gift to see the savings

How the QCD Calculator Works

Enter your RMD and the amount you want to give directly from your IRA.
Pick your tax bracket.
See the tax you save and how much your taxable income and MAGI drop.

How a QCD Saves You Taxes

A Qualified Charitable Distribution lets people 70½+ donate up to about $108,000 (2025, indexed) directly from an IRA to charity. The gift counts toward your Required Minimum Distribution but is excluded from taxable income — unlike a normal RMD plus a separate donation. Because it lowers your AGI and MAGI, a QCD can also reduce Medicare IRMAA surcharges and the taxation of Social Security, and it benefits you even if you take the standard deduction. Estimate only; not tax advice.

QCD FAQ

Who can make a QCD? ▾

IRA owners age 70½ or older. The maximum is about $108,000 per person in 2025 (indexed for inflation), paid directly from the IRA to a qualified charity.

Does a QCD count toward my RMD? ▾

Yes. A QCD satisfies your RMD dollar-for-dollar, up to the amount given, while keeping that money out of your taxable income.

Why is a QCD better than donating normally? ▾

A normal RMD is taxable even if you donate it. A QCD excludes the gift from income entirely, lowering AGI/MAGI — which can also reduce IRMAA and Social Security taxation — and works without itemizing.

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