Thanks! I think I may have overthought this and answered my own question. I rejiggered some numbers and came up with an estimated tax of $17,442 for 2024. If I leave that money in the bank earning 5% interest I make $872. The penalty would be roughly .04635 = $808. Pretty presumptuous (and funny) that the government thinks that their money makes ~4.6%!! So I'll just pay them the entire tax on Apr. 15, 2025 and save myself the ridiculous hassle of quarterly payments.
Cheers
