CALCULATOR
QCD Calculator (2026)
A Qualified Charitable Distribution sends money directly from your traditional IRA to charity. Once you're 70½ or older, up to the annual IRS limit counts toward your required minimum distribution — but is excluded from your taxable income entirely. That's a very different (and usually better) outcome than taking your RMD, paying tax on it, and then writing a check. This calculator estimates the tax you'd save this year and how much of your RMD your giving would already cover.
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Frequently asked
What is a Qualified Charitable Distribution (QCD)?
A QCD is a direct transfer from your traditional IRA to a qualified charity, available once you're 70½ or older. Up to the annual IRS limit, the amount counts toward your required minimum distribution (RMD) but is excluded from your taxable income — often a better tax outcome than taking the RMD and then writing a check.
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Illustrative and educational only — not tax, legal, or investment advice. Figures are a 2026 snapshot and change.