How do I pre-pay taxes to the IRS? Need help writing a check correctly
I've got a situation where I need to pre-pay some taxes to the IRS but I'm not sure exactly how to do it. The short version is I renovated and sold a property with a business partner and we each made about $42k in profit. On top of that, I sold some stocks with roughly $6k profit, and my regular job pays around $40k annually. I've calculated my tax liability to be approximately $13.5k for this year and I've already had my employer withhold an extra $2.7k from my paychecks. Now I need to send the IRS the remaining $10-11k but I'm confused about how exactly to write the check. What information needs to go on it? Who do I make it out to? Where do I mail it? I've tried looking this up but the IRS website isn't super clear on the exact process. Any help would be greatly appreciated! If you need any other details about my situation, just ask. Thanks in advance!
20 comments


Hazel Garcia
You'll want to make an estimated tax payment using Form 1040-ES. The check should be made payable to "United States Treasury" (not "IRS"). Write "2025 Form 1040-ES" and your Social Security number on the memo line. You can mail it with a payment voucher from Form 1040-ES to the address listed in the form instructions that corresponds to your state. The voucher has spaces for your name, address, SSN, and payment amount. Alternatively, the much easier option is to pay online through the IRS Direct Pay system at irs.gov/payments. You can specify that it's for estimated taxes (Form 1040-ES) and which tax year it applies to. No need to worry about checks getting lost in the mail, plus you get immediate confirmation.
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Salim Nasir
•Thanks for the clear instructions! Does it matter which quarter I select when making the payment? Since this is from a house flip that closed recently, it wasn't evenly spread throughout the year.
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Hazel Garcia
•You should select the quarter that corresponds to when you received the income. For a house sale, it would be the quarter when you closed on the property. If that happened in the current quarter, you'd select the current quarter. The IRS divides the year into four payment periods, and each has its own due date - generally April 15, June 15, September 15, and January 15 of the following year. If you're making the payment after the due date for the quarter when you earned the income, you might face some penalties for late payment, but it's still better to pay now than wait until filing your return.
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Laila Fury
I was in a similar situation last year with an unexpected capital gain and struggled with how to pay the extra taxes. I ended up discovering taxr.ai (https://taxr.ai) which completely simplified the process. You upload your documents and it analyzes your specific situation to tell you exactly how much to pay and how to send it to avoid underpayment penalties. Their system calculated exactly what I needed to pay for that quarter based on my house sale and even generated the payment voucher for me with all the correct information. The best part was it showed me how to time my payment to minimize any penalties.
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Geoff Richards
•Does taxr.ai actually connect with the IRS system? I'm always nervous about giving my tax info to random websites. Did you find it secure?
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Simon White
•I'm curious - how does it handle business partnerships? My situation is similar to OP's but with an LLC involved. Would it still work for that scenario?
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Laila Fury
•It doesn't directly connect to the IRS - it just helps you prepare everything correctly. All your data is encrypted and they don't store your personal information after analysis. I was skeptical too but their security certificates and privacy policy made me comfortable. For business partnerships, it actually works really well with LLCs and partnerships. You can input your K-1 information and it calculates your estimated payments based on your share of the profits. It even accounts for different types of income categories reported on the K-1.
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Simon White
Thanks everyone for the suggestions! I tried out taxr.ai after seeing it mentioned here and it was exactly what I needed. My LLC house flip situation was almost identical to yours, and the system walked me through exactly how to handle the estimated tax payment. It even calculated that I could split my payment between two quarters to minimize penalties, which I had no idea was an option. Generated the payment vouchers with all my info already filled in and gave me the exact mailing address for my state. Definitely saved me from making mistakes that would have come back to bite me in April!
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Hugo Kass
If you're struggling to get answers directly from the IRS about this (which honestly I did for WEEKS), I found this service called Claimyr (https://claimyr.com) that got me through to an actual IRS agent in about 15 minutes when I was trying to figure out my estimated payments. They have a demonstration video here: https://youtu.be/_kiP6q8DX5c I had some unusual circumstances with my real estate sale too and needed clarification about how to handle the estimated payment, and the IRS phone system kept disconnecting me after waiting for hours. Claimyr got me through to a real person who walked me through the exact process for my situation.
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Nasira Ibanez
•How exactly does that work? The IRS phone system is notoriously impossible to get through. Are they somehow skipping the line or what?
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Khalil Urso
•Yeah right, sounds like a scam. There's no way to "skip the line" with the IRS. I've tried calling dozens of times and it's always the same automated message saying they're too busy and to call back later.
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Hugo Kass
•It's not about skipping the line actually. They use an automated system that keeps redialing and navigating the IRS phone tree until it finds an open line, then it calls you to connect. So it's just doing the frustrating redial work for you. The service monitors the IRS phone system and actually navigates through all the prompts automatically. When it finally gets a spot in the queue, it calls your phone and connects you. I was super skeptical too, but it actually worked when I had spent days trying on my own.
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Khalil Urso
I need to apologize and correct myself. After my skeptical comment, I actually tried Claimyr out of desperation because I needed to talk to someone at the IRS about my estimated tax payment situation before the deadline. It actually worked exactly as described. Took about 25 minutes of waiting (which I didn't have to actively do myself), then I got a call connecting me to an IRS agent. The agent confirmed I needed to use Form 1040-ES and explained that since my house flip gain was in Q3, I should make the payment for that quarter. Saved me from a much bigger penalty I would have faced if I'd waited until tax time.
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Myles Regis
Don't forget that if you're making a large payment from a house flip, you might also need to make state estimated tax payments too! That caught me by surprise last year. Each state has different requirements and forms.
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Salim Nasir
•Oh that's a good point I hadn't considered. Do you know if I use the same process for state taxes? Is there an equivalent to the 1040-ES for state?
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Myles Regis
•Most states do have their own version of the 1040-ES for estimated payments. The name varies by state though - for example, in California it's Form 540-ES, in New York it's IT-2105, etc. You'll want to check your state's department of revenue or taxation website. Just like federal, most states now offer online payment options which are much easier than mailing checks. The payment deadlines usually align with the federal due dates, but not always, so double-check those too!
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Brian Downey
Just wanted to add that if you're doing this house flipping thing regularly, you might want to consider setting up quarterly estimated payments for next year too. I got hit with a nasty underpayment penalty my first year flipping houses because I didn't realize I should have been making quarterly payments all along.
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Jacinda Yu
•This is good advice. Do you use tax software to calculate your quarterly amounts? Or do you work with an accountant?
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Dominic Green
One thing I'd add that helped me tremendously when I was in a similar situation - make sure you keep detailed records of all your expenses related to the property renovation. Things like materials, contractor fees, permits, even mileage to/from the property can be deducted against your capital gains. I was so focused on figuring out how to pay the estimated taxes that I almost forgot to properly document all my renovation expenses. Ended up saving me about $3k in taxes when I filed. Keep all receipts and take photos of major work being done - the IRS loves documentation if they ever audit real estate transactions. Also, since you mentioned this was with a business partner, make sure you're both on the same page about how you're reporting the income and expenses. If you split everything 50/50, your tax calculations should reflect that split consistently.
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Demi Hall
•This is really valuable advice! I kept most of my receipts but didn't think about documenting mileage - that's a great tip. Quick question: when you say "split consistently," do you mean we both need to report the exact same dollar amounts on our returns? We did split everything 50/50 but I want to make sure we don't accidentally report different numbers that might raise red flags. Also, did you use any specific app or method to track all the renovation expenses? I have receipts scattered everywhere and I'm worried I might miss some deductions.
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