2027 Tax Brackets Calculator (2027 vs 2026)
Every year the IRS raises the tax brackets and the standard deduction for inflation, so the same pay is taxed a little less. This calculator shows the 2027 brackets next to the official 2026 ones and works out your federal income tax for both years. The 2027 figures are projections based on the official inflation formula. We will switch to the IRS numbers the day they are released, usually in October or November.
Wages and other taxable income before tax.
401(k), HSA and health insurance taken out before tax.
2027 standard deduction
| Filing status | 2026 (official) | 2027 (projected) |
|---|---|---|
| Single or married filing separately | $16,100 | $16,600 |
| Married filing jointly | $32,200 | $33,200 |
| Head of household | $24,150 | $24,950 |
| Extra if 65+ or blind (single / head of household) | $2,050 | $2,100 |
| Extra if 65+ or blind (each married spouse) | $1,650 | $1,700 |
| Senior deduction (65+, through 2028) | $6,000 per person | $6,000 per person |
2027 tax brackets for single filers
| Rate | 2026 (official) | 2027 (projected) |
|---|---|---|
| 10% | $0 to $12,400 | $0 to $12,800 |
| 12% | $12,401 to $50,400 | $12,801 to $52,025 |
| 22% | $50,401 to $105,700 | $52,026 to $109,125 |
| 24% | $105,701 to $201,775 | $109,126 to $208,325 |
| 32% | $201,776 to $256,225 | $208,326 to $264,550 |
| 35% | $256,226 to $640,600 | $264,551 to $661,375 |
| 37% | Over $640,600 | Over $661,375 |
2027 tax brackets for married filing jointly
| Rate | 2026 (official) | 2027 (projected) |
|---|---|---|
| 10% | $0 to $24,800 | $0 to $25,600 |
| 12% | $24,801 to $100,800 | $25,601 to $104,050 |
| 22% | $100,801 to $211,400 | $104,051 to $218,250 |
| 24% | $211,401 to $403,550 | $218,251 to $416,650 |
| 32% | $403,551 to $512,450 | $416,651 to $529,100 |
| 35% | $512,451 to $768,700 | $529,101 to $793,650 |
| 37% | Over $768,700 | Over $793,650 |
2027 tax brackets for head of household
| Rate | 2026 (official) | 2027 (projected) |
|---|---|---|
| 10% | $0 to $17,700 | $0 to $18,250 |
| 12% | $17,701 to $67,450 | $18,251 to $69,650 |
| 22% | $67,451 to $105,700 | $69,651 to $109,100 |
| 24% | $105,701 to $201,750 | $109,101 to $208,300 |
| 32% | $201,751 to $256,200 | $208,301 to $264,550 |
| 35% | $256,201 to $640,600 | $264,551 to $661,350 |
| 37% | Over $640,600 | Over $661,350 |
What you save on the same income
| Income | 2026 federal tax | 2027 federal tax | Saving |
|---|---|---|---|
| $40,000, Single | $2,620 | $2,552 | $68 |
| $60,000, Single | $5,020 | $4,952 | $68 |
| $75,000, Single | $7,670 | $7,390 | $280 |
| $100,000, Single | $13,170 | $12,890 | $280 |
| $150,000, Single | $24,734 | $24,375 | $359 |
| $100,000, Married | $7,640 | $7,504 | $136 |
| $150,000, Married | $15,340 | $14,779 | $561 |
| $250,000, Married | $37,468 | $36,779 | $689 |
| $60,000, Head of household | $3,948 | $3,841 | $107 |
| $70,000, Married, both 65+ | $2,250 | $2,140 | $110 |
A raise in 2027 is not pushed into a higher bracket just by inflation, because the brackets move up too. If your pay grows faster than inflation, part of the raise can still land in a higher bracket.
When will the IRS release the 2027 brackets?
The IRS publishes the next year's brackets, standard deduction and many other limits in a revenue procedure each fall. The 2026 figures came out on October 9, 2025. The 2027 figures are expected in October or November 2026. The projections here use the same formula the IRS uses: the change in the chained consumer price index (C-CPI-U) over the twelve months ending in August. One month of 2025 CPI data was never published, so the official figures could differ slightly.
What the brackets mean
Tax brackets are marginal. Only the part of your taxable income inside each band is taxed at that band's rate. Moving into the 22% bracket does not make all your income taxed at 22%, only the dollars above the line. Your effective rate, the tax divided by your income, is always lower than your top bracket.
See your 2026 tax now with the federal income tax calculator, or your paycheck after every tax with the paycheck calculator.
How this calculator works
It subtracts pre-tax deductions, the standard deduction (plus the extra amount and the $6,000 senior deduction for people 65+, which phases out by 6% of income above $75,000, or $150,000 married) and applies each year's brackets. Income is the same in both years, so the difference shows the effect of the inflation adjustment alone. Credits, itemized deductions, capital gains rates and state taxes are not included.
FAQ
What are the 2027 tax brackets?
The rates stay at 10%, 12%, 22%, 24%, 32%, 35% and 37%. For single filers the projected 2027 brackets start at $12,801 (12%), $52,026 (22%), $109,126 (24%), $208,326 (32%), $264,551 (35%) and $661,376 (37%) of taxable income.
What is the standard deduction for 2027?
It is projected at $16,600 for single filers, $33,200 for married couples filing jointly and $24,950 for heads of household, up from $16,100, $32,200 and $24,150 in 2026.
When does the IRS announce the 2027 tax brackets?
Usually in October or November. The 2026 brackets were announced on October 9, 2025.
Will I pay less tax in 2027?
If your income stays the same, yes, because the brackets and standard deduction rise with inflation. A single filer earning $75,000 pays about $280 less in 2027.
Do the 2027 brackets apply to my 2026 tax return?
No. The 2027 brackets are for income earned in 2027, on the return you file in 2028. Your 2026 return, filed in early 2027, uses the 2026 brackets.
Rules and rates last checked: October 2026. This is an estimate for general information only, not financial, tax or legal advice. Check IRS.gov or a tax professional before you file.