I have the option of not having any state taxes withheld from my pension so I stopped the state withholdings and am not putting $400 a month in savings in anticipation of having a possible federal bill at the end of the year. Should I instead be making prepayments to the IRS? Last year I ended up owing an additional $1700 in fed taxes and had it taken from the surplus from my state withholdings. If I should be making prepayments because my liability last year was over $1000, can I do catchup in this 4th Q of 2025 without any penalty for underpayment during the year?
