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Question

Is a qualified charitable distribution still worth it under the new rules?

Answer

Yes, and arguably more than before. A QCD from your IRA to a qualified charity counts toward your required minimum distribution and never enters your taxable income, so it avoids both the new AGI floor and the 35% cap. The 2026 limit is $111,000 per person, or $222,000 for spouses who each have an IRA. Lowering AGI can also ease Medicare premium surcharges and the 3.8% net investment income tax.

Related FAQs

Should I leave my IRA to charity instead of to my children?

Where can I find help reviewing my year-end charitable giving strategy?

How does the 35% cap on itemized deductions work?
Tax Planning Financial Planning Charitable Giving Impact of New Laws Tax Basics Tax Tips & Tricks OBBBA Protecting Your Legacy Year-Round Tax Planning FAQs
Last Updated Sept. 8, 2026
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