Do I need to pay my final estimated federal tax payment (January 2023) if I am going to receive a refund on my 2022 taxes (we retired this year).

See https://www.irs.gov/payments/underpayment-of-estimated-tax-by-individuals-penalty

Avoid a Penalty

To avoid a penalty, pay your correct estimated taxes on time.

You may avoid the Underpayment of Estimated Tax by Individuals Penalty if:

• Your filed tax return shows you owe less than $1,000 or
• You paid at least 90% of the tax shown on the return for the taxable year or 100% of the tax shown on the return for the prior year, whichever amount is less.

No, if you are sure you don't need it.  The estimates are optional to pay .  

I’m recent TurboTax estimate shows I overpaid my taxes for the year.  And my estimates confirm it. Due to December stock loss harvest, I’ve paid well enough but not as much as last year.  Do I still have to pay the 4Q payment?

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@Rarichman2244 wrote:

I’m recent TurboTax estimate shows I overpaid my taxes for the year.  And my estimates confirm it. Due to December stock loss harvest, I’ve paid well enough but not as much as last year.  Do I still have to pay the 4Q payment?

 

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Answered in your prior post for the same subject here - https://ttlc.intuit.com/community/taxes/discussion/4th-quarter-estimated-tax-payment/00/2812518

Even if the total is less than last year’s taxes?

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@Rarichman2244 wrote:

Even if the total is less than last year’s taxes?

 

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Yes