Charitable RMD (QCD) Tool
Turn mandatory IRA withdrawals into a tax-free legacy. See how much you may save by giving directly to charity.
Gifting Details
Must go directly from your IRA custodian to the charity.
Why this can beat a standard donation
If you take the money first, it counts as income. If your IRA sends it directly to charity, it can stay off your taxable income and may help keep Social Security taxes and Medicare premiums lower.
Estimated federal taxes legally avoided.
By reducing your AGI by $5,000, you may be less likely to trigger IRMAA surcharges, which can add hundreds or thousands per year to Medicare Part B and D premiums.
Direct Gifting Advantage
A QCD lowers adjusted gross income directly, which can matter even when you use the standard deduction.
RMD Satisfaction
The qualified gift can satisfy part of your required minimum distribution while reducing the amount that remains taxable.
Planning Note
QCD rules can change and depend on age, account type, and charity eligibility. Confirm details with a tax professional.
Master Your Gifting Strategy.
Whether you want to support your church or a local charity, doing it through a QCD can be a smart financial move for seniors.