2027 tax brackets: projected figures vs. 2026
The rates stay the same in 2027: 10%, 12%, 22%, 24%, 32%, 35% and 37%. The thresholds move up about 3.2% for inflation. The standard deduction is projected at $16,600 single and $33,200 married filing jointly. These are projections. The IRS has not published the official 2027 numbers yet.
Projected, not official. The figures below come from Bloomberg Tax (September 2026). The IRS usually releases the real ones in October or November. We'll update this page that day. For your 2026 paycheck and the return you file in 2027, use the 2026 brackets.
2027 vs. 2026 brackets by filing status
Single
| Rate | 2026 taxable income | 2027 taxable income (projected) |
|---|---|---|
| 10% | $0 – $12,400 | $0 – $12,800 |
| 12% | $12,400 – $50,400 | $12,800 – $52,025 |
| 22% | $50,400 – $105,700 | $52,025 – $109,125 |
| 24% | $105,700 – $201,775 | $109,125 – $208,325 |
| 32% | $201,775 – $256,225 | $208,325 – $264,550 |
| 35% | $256,225 – $640,600 | $264,550 – $661,375 |
| 37% | Over $640,600 | Over $661,375 |
| Standard deduction | $16,100 | $16,600 |
Married filing jointly
| Rate | 2026 taxable income | 2027 taxable income (projected) |
|---|---|---|
| 10% | $0 – $24,800 | $0 – $25,600 |
| 12% | $24,800 – $100,800 | $25,600 – $104,050 |
| 22% | $100,800 – $211,400 | $104,050 – $218,250 |
| 24% | $211,400 – $403,550 | $218,250 – $416,650 |
| 32% | $403,550 – $512,450 | $416,650 – $529,100 |
| 35% | $512,450 – $768,700 | $529,100 – $793,650 |
| 37% | Over $768,700 | Over $793,650 |
| Standard deduction | $32,200 | $33,200 |
Head of household
| Rate | 2026 taxable income | 2027 taxable income (projected) |
|---|---|---|
| 10% | $0 – $17,700 | $0 – $18,250 |
| 12% | $17,700 – $67,450 | $18,250 – $69,650 |
| 22% | $67,450 – $105,700 | $69,650 – $109,100 |
| 24% | $105,700 – $201,750 | $109,100 – $208,300 |
| 32% | $201,750 – $256,200 | $208,300 – $264,550 |
| 35% | $256,200 – $640,600 | $264,550 – $661,350 |
| 37% | Over $640,600 | Over $661,350 |
| Standard deduction | $24,150 | $24,925 (may round to $24,950) |
How much less tax at the same income?
Same salary. Different year. If your pay doesn't change, you pay a little less in 2027. The reason is simple: more of your income falls in the lower brackets. A single filer at $85,000 saves about $281. A married couple at $120,000 saves about $136. Not a lot. But it's money you keep without doing anything.
| Income | Single: 2026 → 2027 | Married filing jointly: 2026 → 2027 | Head of household: 2026 → 2027 |
|---|---|---|---|
| $40,000 | $2,620 → $2,552 (−$68) | $780 → $680 (−$100) | $1,585 → $1,508 (−$78) |
| $60,000 | $5,020 → $4,952 (−$68) | $2,840 → $2,704 (−$136) | $3,948 → $3,844 (−$104) |
| $85,000 | $9,870 → $9,590 (−$281) | $5,840 → $5,704 (−$136) | $6,948 → $6,844 (−$104) |
| $120,000 | $17,570 → $17,290 (−$281) | $10,040 → $9,904 (−$136) | $13,988 → $13,587 (−$402) |
| $200,000 | $36,734 → $36,375 (−$359) | $26,340 → $25,779 (−$561) | $32,991 → $32,506 (−$485) |
Federal income tax only, standard deduction, no credits. Social Security and Medicare are separate. In other words, this is the bracket effect and nothing else. A raise in 2027 changes the picture. Most raises beat 3.2%, so most people still pay more tax in dollars.
Other projected 2027 amounts
| Item | 2027 (projected) |
|---|---|
| Child tax credit | $2,300 |
| HSA limit, self-only / family | $4,500 / $9,000 |
| IRA contribution (under 50 / 50+) | $7,500 / $8,600 |
| Annual gift tax exclusion | $20,000 |
| Estate tax exclusion | $15,480,000 |
| 0% long-term capital gains rate, single / joint | up to $51,050 / $102,100 |
| 1099 reporting threshold (sec. 6041) | $2,100 |
The 401(k) limit and the Social Security wage base come from separate announcements. Those usually land in October and November too.
Frequently asked questions
Have the 2027 tax brackets been released?
Not yet. The IRS usually publishes them in a Revenue Procedure in October or November. The numbers on this page are Bloomberg Tax projections from September 2026. Projections like these usually match the official figures or miss by a rounding step.
What is the projected 2027 standard deduction?
$16,600 for single filers and married filing separately. $33,200 for married filing jointly. About $24,925 for head of household, which the IRS may round to $24,950. That's $500 more than 2026 for single filers.
Do the 2027 brackets affect my 2026 tax return?
No. The return you file in early 2027 covers 2026 income. It uses the 2026 brackets. The 2027 brackets apply to income you earn in 2027, and to your paychecks starting in January 2027.
Are tax rates going up in 2027?
No. The One Big Beautiful Bill Act made the current rates permanent. Only the income thresholds change, and they go up with inflation.
What is the 2027 tax bracket for $100,000?
A single filer with a $100,000 salary would have about $83,400 of taxable income after the projected $16,600 standard deduction. That's in the 22% bracket. The effective rate on the whole salary is far lower, about 13%.
Sources
These estimates cover wages only. They use the standard deduction and no credits. Some things would lower your federal tax, and they are not here: the 2026 child tax credit ($2,200 per child) and the 2025–2028 deductions for tips (up to $25,000), qualified overtime (up to $12,500, or $25,000 married), seniors 65+ ($6,000 each) and car-loan interest (up to $10,000). If any of those apply to you, your real federal tax is lower.
Related calculators
Updated: October 5, 2026 · Sources and methodology