So I removed my ROTH rollover from Turbotax, and looked at 2210AI. I then added the rollover, and went back and put the previous numbers to the first three columns of line 1. In column four (for the whole year) I put the new number from 1040, including the rollover. That got my penalty to lower to one half of what it was. So that helps.
My question of course was if I could avoid the penalty altogether by paying the fourth estimated tax payment, due Jan 15. I guess the answer is no, as 2210AI is still saying I had income even in the first quarter of the year, due to SS, bank interest, and dividends. I was hoping that that income would not count as the tax due to them will be zero.
