And decide if you want to fold your quilt up over your pillows or set your pillows on top of it. I prefer square quilts for my bed - A 90" quilt will hang down 15" on each side and about 15" at the foot of the queen-size bed, and I have pillows at the head of the bed, on top of that edge of the quilt. If I wanted to tuck the quilt under the front edge of the pillows and then fold it up over them, I would need to allow another 12" or so, making a quilt 90" X 102".