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H
hyincpa
Level 2
March 21, 2026
Question

QCD for NJ-1040: how do I adjust the QCD out of the retirement income?

  • March 21, 2026
  • 1 reply
  • 9 views

I was able to deduct the QCD from the retirement distribution. However, I can't find a place to deduct the QCD portion on NJ-1040.

Since the taxpayer had more than $150K income in 2025, the retirement income exclusion doesn't apply to them. That being said, they are entitle to the QCD exclusion. But I don't find a place to deduct it on NJ-1040.

Please help! Thank you all in advance.

1 reply

Skylane
SkylaneIntuit Community Champion
Intuit Community Champion
March 21, 2026

nj does not recognize QCD deduction 

New Jersey: New Jersey has a gross income tax regime. New Jersey requires that the QCD be added back. Since New Jersey does not allow a deduction when a contribution is made to an IRA, when a distribution is made, only the earnings portion of the IRA is subject to tax. In all likelihood, the entire taxable amount of the IRA after making the allowable IRA exclusion would be taxable to the donor. Taxpayers should consult NJ Tax Topic Bulletin GIT-2.

https://www.nj.gov/treasury/taxation/pdf/pubs/tgi-ee/git2.pdf

 

 

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