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As I look more and played with Turbotax, I found I would still owe $1,021 even if I had done the QCD- so still would have a penalty and Turbotax generating 1040-ES.

 

Well I am not sending in the 1040-ES, will pay full amount owed with penalty and will get more taken out with W-4P change in Step 4c.  Also, do my QCD this year.  So will owe less than the $1,000 next tax season. 

 

Hopefully the Feds don't get upset for not getting quarterly 1040-ES payments.    Think they would have bigger fish to fry.