if it's purely a question of not incurring penalties even if you owe a lot come 4/15/2023 then these are the rules:
There will be no federal penalties for not paying in enough taxes during the year if withholding (including amount withheld from the IRA distributions)
1) and timely estimated tax payments are equal to or exceed 90% of your 2022 tax
or
2) and timely estimated tax payments are equal to or exceed 100% of your 2021 tax (110% if your 2021 adjusted gross income was more than $150K)
or
3) the balance due after subtracting taxes withheld from 90% of your 2022 tax is less than $1,000
state laws differ if your state has an income tax.
