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Personal Finance (Not Investing) • Procedure for Paying Roth Conversion Taxes By Withholding, with outside cash

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Because estimated payments are not automatically timely. And they are expected to be even across the year. But withholding is always timely.
Estimated payments need not be even across the year. However, if you're not annualizing your income with schedule AI, it is true that making estimated payments evenly is most efficient.

Withholding is not always timely. However, it will be considered timely as long as you withhold enough to completely meet the safe harbor amount.
I never said the estimated payments must be even. But it is the general expectation. If payments are are not, then you must file form 2210. Like many forms it is not difficult but it does take more documentation. Also some people find it tricky.

Withhold certainly always is considered timely. Sure if not enough is withheld you will underpay but not because it wasn’t timely. It is because withholding was inadequate. It was still timely just not enough.

Statistics: Posted by LotsaGray — Mon Oct 06, 2025 5:32 pm — Replies 34 — Views 2718



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