Qualified Charitable Distributions

Learn more about how a Qualified Charitable Distribution (QCD) can benefit you.

How a Qualified Charitable Distribution (QCD) from your IRA Works

If you are 70½ or older and have an IRA, you are already qualified!
1

You are at least 70½ years old with IRA funds you no longer need

2

Make a qualified charitable distribution (QCD) from your IRA

*If you are 72 years old or older, your QCD can count towards your required minimum distribution (RMD)!

3

Your QCD goes directly to charity, supporting a cause you care about

Discover the Benefits of a Qualified Charitable Distribution (QCD)

Reduce Your Taxable Income

When you take funds from your IRA, they count as taxable income. But if you transfer them directly to charity, you reduce your taxable income while satisfying your required minimum distribution (RMD).

Fulfill your Required Minimum Distribution (RMD)

After you turn 72, you must distribute funds from your IRA. If you do not distribute the required minimum, you may be penalized, but a QCD allows a transfer of up to $100,000 per individual or $200,000 per couple to satisfy your RMD.

Help transform hearts and lives

When you make a QCD to Catholic Extension, you make a lasting impact on faith communities in the poorest regions of our country for generations to come.

God has blessed me in many ways, and the Gospel calls me to share those blessings with others while I’m able to now. There is such a clear and present need for what Catholic Extension does for faith communities in this country. With a QCD I can make an immediate impact on their vital work.

Robert Iberle, Donor

Find Out if a Qualified Charitable Distribution (QCD) is Right For You

I was born before . Yes No
I have a qualified IRA. Yes No
I want to make a lasting impact on poor faith communities for generations to come. Yes No

You’re qualified to make this type of gift!

Calculate your RMD

*If you are at least 72 years old, you can fulfill your RMD by making a QCD.

It looks like there are still some requirements that need to be met!

Take Your Next Steps

1

Get started by selecting your IRA custodian and filling out your information below. This information will be used to pre-fill your distribution form.

2

Once you have downloaded and completed the rest of your form, please mail the form to your IRA custodian. We recommend mailing this by December 1 if you intend for this transfer to qualify for the current tax year.

3

Please let us know about your generous gift! You can ensure that your wishes are carried out as you intend. Plus you can be recognized as you would like (or you can request to remain anonymous).

Did you know?

You can also support our mission for years to come. Simply name Catholic Extension as a beneficiary of your IRA account, and the remaining assets (or a portion) of the account will be used to build up vibrant faith communities across the country.

View Sample Beneficiary Designation

Legal name: The Catholic Church Extension Society of the United States of America
Address: 150 South Wacker Drive, Suite 2000, Chicago, IL 60606
Federal Tax ID number: 36-6000520

The content found on this site is general in nature and intended to be used for informational purposes only. It should not be relied upon as legal, tax, accounting or other professional advice. To determine how a gift or estate planning decision might affect your particular circumstances, it is expressly recommended that you consult an attorney, financial advisor or other qualified professional.