Giving From an IRA

Benefits of Giving From an IRA

If you are 70 ½ or older, you can make a gift from your IRA to charity and receive significant tax benefits in return!

  • Convenient. An easy way to give to your church or other favorite ministries.
  • Tax-wise. Distributions made directly to charity are not treated as taxable income. This benefits you even if you don’t itemize deductions on your tax returns!
  • Promises kept. Gifts from your IRA can be used to fulfill any charitable giving pledges previously made.
  • Impactful. Gifts are tax-free to charity. The entirety of your gift will go toward your favorite causes!

Requirements of a Qualified Charitable Distribution

You can give from your IRA to ministry without any federal tax liability, as long as the gifts are qualified charitable distributions (QCDs). Distributions qualify for all or part of your required minimum distribution (RMD).

  • IRA holders must be age 70 ½ or older at the time of the gift.
  • Give up to $105,000* per year.
  • Gifts must be outright gifts made directly to a charitable organization.
  • Distributions to donor-advised funds are not permissible.
  • Distributions may only be made from traditional IRAs or Roth IRAs; other retirement accounts are not eligible.
  • You can give a one-time qualified charitable distribution (or multiple QCDs within a single year) totaling no more than $53,000* to fund a life income gift.

* As of January 2024. Indexed for inflation annually.

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