Deductions & credits

Thanks for the quick response! The problem is I can't find an error with my deferral amount.

 

I'm not too concerned with my estimated (understand it is an approximation). But this particular calculation is troublesome in that, if somebody didn't know better, they could be caught off guard with a hefty tax bill come 2021 tax season. 

 

I posted hoping to figure our whether this is: 1)something I am misunderstanding, 2)an error in the software, or 3) just a quirk of the tax guidelines that justifies a significant underpayment of estimated taxes.