2027 Qualified Charitable Distribution (QCD) Limit
The annual QCD exclusion cap for 2027, when it is announced, and the 2026 figure that applies until then.
Not yet announced No 2027 figure exists yet, from anyone. (the publishing agency, retrieved 2026-09-19) The 2026 figures below are official and stand until the announcement.
| Item | 2026 | 2027 | Status |
|---|---|---|---|
| Annual QCD exclusion cap (IRC §408(d)(8)(A))Per person aged 70 1/2 or older | $111,000 | Not yet announced | Not yet announced |
| One-time split-interest QCD cap (IRC §408(d)(8)(F))Per person, once in a lifetime | $55,000 | Not yet announced | Not yet announced |
2026 figures as published by the publishing agency — source, retrieved 2026-09-19. Every figure on this page is read from a dataset at build time; none is typed into the page.
A QCD changes your taxable income, which moves your IRMAA bracket two years later. QuantCalc runs your whole retirement — withdrawals, taxes, Medicare surcharges — year by year, on 2026 and 2027 figures.
Run the free tax-aware simulation →How this figure is set
Indexed under SECURE 2.0 §307 and published each autumn in the IRS retirement-plan cost-of-living notice; the 2027 figure has not been published, and this dataset does not project it (the publishing agency, retrieved 2026-09-19)
Common questions
Are the 2027 qualified charitable distributions figures final?
There is no 2027 figure to be final about yet. The responsible agency has not published one. (the publishing agency, retrieved 2026-09-19)
What sets these numbers?
The 2026 figures are taken from the agency's own publication (the publishing agency, retrieved 2026-09-19).
What changed from 2026?
The table shows both years side by side so the change is readable directly. Where a row says unchanged, that is a statutory result, not an omission.
Related
QCD calculator → 2027 RMD table →
Every figure here with its status and source: JSON. QuantCalc is calculation software, not tax advice.