2025 Safe Harbor Calculation

You are correct that safe harbor is 110% of 2024 Tax $51,365 X 1.10 = $56,500

• If you have $13,295 in withholdings, you still owe $43,205
• I'm not sure of what the other numbers mean.
• but you were correct that the total has to be $56,500.

I developed a tracker to determine how much federal taxes I was already making so that i could determine the delta from the total 2025 safe harbor amount so i knew how much i needed to pay directly to the IRS quarterly to account for not enough taxes being taken out of my paycheck. I was looking to see if I was approaching the math correctly since Turbo tax generated quarterly estimated payment coupons in the amount of $3,185/quarter which would cause me to grossly overpay if my math was correct.

The $3,185 can be made up of additional withholding, estimated payment, or a mix. Since your withholding is going to increase, then it's correct to reduce your estimated payment. You could also have even more come out of your paycheck to avoid having to make any estimated payment.