$105,000 QCD Can Save $23,100 in Taxes at 22% Bracket

Direct IRA-to-charity transfers count toward your RMD but skip your taxable income entirely

The Details

QCDs can reduce your AGI enough to avoid IRMAA Medicare surcharges. A couple with $300,000 income using $60,000 QCDs could save $3,168 annually on Part B premiums alone.

What this means for you

Retirement decisions compound — getting one of these details wrong can cost tens of thousands of dollars over a retirement. The good news: most of these mistakes are completely avoidable if you understand how the rule actually works.

Next step

If you want to see how this applies to your specific situation, take the free Retire Ready Score — a 2-minute assessment that scores your current plan across income, taxes, healthcare, and protection.