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Thanks for the input.    Because I have earned 95% of my income already this year and now unemployed / early retired I will not have any further witholding.    I believe I need to use the  Annualized Income method  (AIM) to calculate my tax liability based on the income I've actually received up to the end of each payment period otherwise I may face a penalty for underpayment if I spread it evenly over the next 3 estimated payments.  Turbotax doesn't seem to have anything except the estimator that allows me to pay in 3 installments which I would certainly prefer to do but I don't want to get penalized either.     The annualized estimated tax worksheet is in publication 505.  Publication 505 (2025), Tax Withholding and Estimated Tax | Internal Revenue Service