For retirees

Give straight from your IRA and lower your taxable income.

Once you reach the qualifying age, you can send money directly from your IRA to charity. It can satisfy required withdrawals and never counts as taxable income.

Watch the quick version

See how it works through one simple example.

Is this you?

You are at the qualifying age and give to charity from an IRA.
This is one of the most tax-efficient ways for older savers to give.

Here is the idea, in plain words

The money goes straight from your IRA to the charity.

It does not count as taxable income, which is better than deducting a cash gift.

It can also count toward your required withdrawal for the year.

What this could be worth

Worth keeping your gift out of taxable income entirely, which can also lower Medicare premiums and taxes on benefits.
  • 1Confirm you are at the qualifying age.
  • 2Have the IRA send the gift directly to the charity.
  • 3Track it so it counts toward any required withdrawal.

Educational guidance, not tax advice. We confirm every figure and your eligibility before you act.

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See your QCD benefit

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What to watch out for

The honest version.

  • You must be at the qualifying age.
  • The money must go directly to the charity, not through you first.
  • There is a yearly limit on QCDs.

Common questions

Why is it better than a normal gift?

It keeps the money out of your income entirely, which helps even if you do not itemize.

Does it count as a required withdrawal?

Yes, it can satisfy part or all of it.

What age qualifies?

The IRS sets a qualifying age. We confirm it for you.

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