A qualified charitable distribution (QCD) is made directly from your IRA to a charity and never flows through your income — meaning you pay no income tax on the distribution, regardless of whether you itemize. A regular charitable deduction requires you to take the income, pay the tax, donate the cash, and then deduct it subject to AGI limits. For retirees over age 70 ½ with significant IRA balances, a QCD is generally more tax-efficient, and it may also count toward your annual RMD.
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