Head of Household requires unmarried status and paying 50%+ of household costs for a qualifying person.
Your Tax Bracket
22%
Marginal tax rate
Effective Tax Rate
11.61%
Actual rate you pay
Taxable Income
$68,900.00
After $16,100.00 deduction
Federal Tax
$9,870.00
Estimated liability
2026 Federal Tax Brackets - Single
| Rate | Taxable Income Range | Tax on Bracket |
|---|---|---|
| 10% | $0.00 - $12,399.00 | $1,240.00 |
| 12% | $12,400.00 - $50,399.00 | $4,560.00 |
| 22%(Your bracket) | $50,400.00 - $105,699.00 | $4,070.00 |
| 24% | $105,700.00 - $201,774.00 | - |
| 32% | $201,775.00 - $256,224.00 | - |
| 35% | $256,225.00 - $640,599.00 | - |
| 37% | $640,600.00 - and above | - |
| Total Federal Tax | $9,870.00 | |
Room in Current Bracket
$36,800.00
Before moving to 24% bracket
Income to Next Bracket
$52,900.00
Additional gross income needed
Understanding Marginal vs Effective Rates
Marginal Rate: 22%
The rate you pay on your last dollar of income. Additional income will be taxed at this rate.
Effective Rate: 11.61%
Your actual average tax rate across all income. Lower than marginal because lower brackets are taxed at lower rates.
Tax-Saving Opportunities
- Pre-tax contributions: 401(k), HSA, and traditional IRA reduce taxable income
- Itemize if higher: Mortgage interest, state taxes, charitable donations
- Timing income: Defer bonuses or accelerate deductions around bracket edges
- Tax loss harvesting: Offset gains with losses to reduce income
- Qualified dividends: Taxed at lower capital gains rates
Note
Tax brackets are progressive - only income within each range is taxed at that rate. Moving to a higher bracket only affects additional income, not your entire income. This calculator uses 2026 federal brackets and standard deductions.
Calculator Assumptions
- Tax year: 2026 federal income tax brackets and standard deductions
- Deductions: Uses standard deduction; itemized deductions not modeled
- Federal only: State and local income taxes not included (vary by state, 0-13%+)
- FICA: Social Security (6.2%) and Medicare (1.45%) taxes not included
- AMT: Alternative Minimum Tax not calculated; may apply to high earners
- Credits: Tax credits (child tax credit, EITC, etc.) not included