Make a difference tomorrow. Start a rollover today.

Put Your IRA Charitable Donation to Work

Your generosity will help fund ministries that are serving individuals and families across the country — at food pantries, in senior housing and in job training programs. 

A closeup of the hands of two people. One holds a pen and prepares to sign paperwork. The other has her hands folded on the table.
A closeup of a small calculator, a pen and a pair of folded black glasses.
An older couple smile and look happy. Their heads are pressed together; she rests her hand on his chest and he has his arm around her shoulder.

The process

Instruct your IRA administrator to transfer funds to the charity, or charities, you designate. Payment should be sent directly from your IRA to Catholic Charities USA via a qualified charitable distribution (QCD).

Tax benefits

  • A QCD excludes the donation amount from your taxable income, potentially earning you significant tax breaks. 
  • Lower taxable income may reduce the impact to certain tax credits and deductions, including Social Security and Medicare.

Requirements and restrictions

  • Donor must be 70½ or older.
  • Gifts must be made directly from an IRA to a 501(c)(3) charitable organization. Gifts from 401(k), 403(b) and 457 plans are prohibited.
  • All charitable gifts combined may not exceed more than $100,000 per taxpayer, per year.
  • Gifts may not be made to a donor advised fund, supporting organization or private foundation.
  • Gifts are not included in taxable income, and no charitable deduction is allowed.
Francena Phillips Jackson is senior director of planned giving.

Questions? Contact us.

Francena Phillips Jackson
Senior Director, Planned Giving
703-236-6206 | Email

The Impact

Your gift to Catholic Charities USA is more than a one-time donation. The impact of your generosity and support of the Catholic Charities mission will long be felt.


Families assisted with SNAP benefits


Clients connected to primary care providers


Clients accessed homelessness services

Your support funds work like this…

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