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February 5, 2025
Question

Can an IRA Qualified Charitable Deduction on your federal form be entered as a charitable contribution on your state form?

  • February 5, 2025
  • 1 reply
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    1 reply

    February 5, 2025

    Probably not, but it depends on your state.

     

    Many state tax returns start with the Federal Adjusted Gross Income as their starting point.  If your state is one that does start with the Federal AGI, then that number has already taken into account the tax benefit of the IRA QCD.  Including it as a further deduction on your state return would be double-dipping.

     

    If you can share which state you are filing, then someone can take a closer look and let you know with certainty whether the QCD has been taken into account or if it can be deducted.

     

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