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Give from your IRA without the tax bill.

Compare a Qualified Charitable Distribution against donating cash after taking your RMD — and see which saves more.

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01 / ABOUT
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Giving

02 / GIVING
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Deductions

03 / ITEMIZED
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QCDs require age 70½ or older and a direct transfer to the charity. Annual QCD limit is $108,000 for 2026. RMDs are estimated with the IRS Uniform Lifetime Table.

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Keep more of what you give.

Enter your age, IRA balance, and giving to compare a QCD against a cash donation.

Last reviewed: October 2026.

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Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.