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Personal Finance

What is a QCD (qualified charitable distribution)?

Quick Answer

A qualified charitable distribution (QCD) is a direct transfer from an IRA to charity by an owner age 70½+. For 2025, up to $108,000 per person can be excluded from income and counts toward RMDs.

How a QCD reduces taxable income compared to a regular IRA distribution and donation.
Warren Team
Updated April 26, 2026
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Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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