It is possible you would get bumped up into a higher capital gains tax bracket since the IRA distribution will increase your taxable income. The best way to estimate it would be to use the calculators provided by Mark_5. These calculators would help you determine what your potential tax liability would be based upon your actual circumstances. While we can provide rough estimates based upon hypothetical situations, we cannot ensure we know the entire "tax" picture.
Please see this link for the actual tax calculator to use to help you determine your estimated tax liability. Be sure to account for all of your sources of income and deductions you expect for 2025.
As for the IRA withdrawal, you will need to ask your financial broker to withhold federal (and state if applicable) taxes from the distributions. If you use this option and are able to withhold enough tax to cover your anticipated tax due when filing, you may not need to make estimated tax payments. The IRS has a tax withholding estimator that you can use to determine how much you should have withheld from your IRA distributions.
If instead you still want to make estimated tax payments, those amounts would be due quarterly as you earn the income. The next estimated tax payment dates are September 15, 2025 and January 15, 2026.
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