Charitable RMD (QCD) Tool
The "Tax-Free Gifting" Calculator
Turn your mandatory IRA withdrawals into a tax-free legacy. See how much you save by giving directly to charity.
Gifting Details
Must go directly from IRA to Charity
Why this beats a standard donation:
"If you take the money first, it counts as income. If you send it directly, it never hits your tax return. This keeps your Social Security taxes and Medicare premiums lower."
Immediate Tax Savings
$0
Federal Taxes legally avoided.
Remaining Taxable RMD
$0Income (AGI) Reduction
$0The Medicare Advantage
By reducing your AGI by $0, you are less likely to trigger **IRMAA surcharges**, which can save you an additional **$800 - $4,000** per year in Medicare premiums.
Master Your Gifting Strategy.
Whether you want to support your church or a local charity, doing it through a QCD is the smartest financial move a senior can make.
