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IRA charitable giving: a tax-saving way to help the IRC If you are 70½ years old or older, you can give up to $105,000 from your Individual Retirement Account (IRA) directly to a qualified organization such as the International Rescue Committee (IRC) without having to pay income taxes on the money. This popular gift option is commonly called the IRA charitable rollover, but you may also see it referred to as a qualified charitable distribution, or QCD for short.