My income for the last 6 years has been identical ( Pensions and Social Security ) my withholding has always resulted in a refund. In 2021, however I had a great year in the stock market and had 85K in capital gains. Previous years any capital gains was wiped out by my huge capital losses. 2021 I had no more capital losses and did not plan well for additional withholding which resulted in a 10K tax due and estimated tax vouchers for 2022 based on the additional 85K. The 85K was a windfall situation, it will not be so in 2022. I have vouchers totalling 20K that Turbo Tax printed out. Am I required to pay the vouchers even though my withholding will be more than enough in 2022 because there will be no capital gains windfall. What are the rules in this situation? Do I still have to pay even though my normal withholding is more than needed?