Available
Paycheck Calculator (All 50 States)
Take-home pay after federal, state and local taxes — salary or hourly, with overtime and pre-tax deductions.
2027 tax numbers
2027 tax brackets and standard deduction (projected)
The 2027 federal income tax brackets and standard deduction for every filing status, side by side with the official 2026 numbers. Until the IRS publishes, the 2027 figures are projections.
Quick answer
The seven tax rates stay the same in 2027: 10%, 12%, 22%, 24%, 32%, 35% and 37%. What changes is the income at which each rate starts. For 2027 the standard deduction is projected to be $16,600 for single filers (up from $16,100), $33,200 for married couples filing jointly (up from $32,200) and $24,950 for heads of household (up from $24,150).
For a single filer, the 12% rate is projected to start above $12,800 of taxable income and the 22% rate above $52,025. For married couples filing jointly, the top 37% rate is projected to start above $793,650. These projected figures come from Wolters Kluwer, and they match the standard deduction and 12% bracket numbers Bloomberg Tax published (CBS News). Bloomberg Tax puts the inflation adjustment at about 3.2%.
These numbers apply to income you earn in 2027, which you report on the return you file in early 2028. The return you file in 2027 still uses the 2026 numbers.
Standard deduction: 2026 vs 2027
The standard deduction is the amount you can subtract from your income before tax if you don't itemize. Most people take it.
| Filing status | 2026 (official) | 2027 | Status | Change | % change |
|---|---|---|---|---|---|
| Single | $16,100 | $16,600 | Estimate · projected | +$500 | +3.1% |
| Married filing jointly | $32,200 | $33,200 | Estimate · projected | +$1,000 | +3.1% |
| Head of household | $24,150 | $24,950 | Estimate · projected | +$800 | +3.3% |
| Married filing separately | $16,100 | $16,600 | Estimate · projected | +$500 | +3.1% |
People 65 and older, and people who are blind, get an extra standard deduction on top of these amounts. That extra amount is also adjusted for inflation each year.
Tax brackets: 2026 vs 2027
Each table shows the taxable income above which a rate starts. Taxable income is your income after the standard deduction (or itemized deductions) and other deductions. Only the dollars above each threshold are taxed at the higher rate, not your whole income.
Single
| Rate | 2026 (official) | 2027 | Status | Change | % change |
|---|---|---|---|---|---|
| 10% | $0 | $0 | Estimate · projected | — | — |
| 12% | $12,400 | $12,800 | Estimate · projected | +$400 | +3.2% |
| 22% | $50,400 | $52,025 | Estimate · projected | +$1,625 | +3.2% |
| 24% | $105,700 | $109,125 | Estimate · projected | +$3,425 | +3.2% |
| 32% | $201,775 | $208,325 | Estimate · projected | +$6,550 | +3.2% |
| 35% | $256,225 | $264,550 | Estimate · projected | +$8,325 | +3.2% |
| 37% | $640,600 | $661,375 | Estimate · projected | +$20,775 | +3.2% |
Married filing jointly
| Rate | 2026 (official) | 2027 | Status | Change | % change |
|---|---|---|---|---|---|
| 10% | $0 | $0 | Estimate · projected | — | — |
| 12% | $24,800 | $25,600 | Estimate · projected | +$800 | +3.2% |
| 22% | $100,800 | $104,050 | Estimate · projected | +$3,250 | +3.2% |
| 24% | $211,400 | $218,250 | Estimate · projected | +$6,850 | +3.2% |
| 32% | $403,550 | $416,650 | Estimate · projected | +$13,100 | +3.2% |
| 35% | $512,450 | $529,100 | Estimate · projected | +$16,650 | +3.2% |
| 37% | $768,700 | $793,650 | Estimate · projected | +$24,950 | +3.2% |
Head of household
| Rate | 2026 (official) | 2027 | Status | Change | % change |
|---|---|---|---|---|---|
| 10% | $0 | $0 | Estimate · projected | — | — |
| 12% | $17,700 | $18,250 | Estimate · projected | +$550 | +3.1% |
| 22% | $67,450 | $69,650 | Estimate · projected | +$2,200 | +3.3% |
| 24% | $105,700 | $109,100 | Estimate · projected | +$3,400 | +3.2% |
| 32% | $201,750 | $208,300 | Estimate · projected | +$6,550 | +3.2% |
| 35% | $256,200 | $264,550 | Estimate · projected | +$8,350 | +3.3% |
| 37% | $640,600 | $661,350 | Estimate · projected | +$20,750 | +3.2% |
Married filing separately
Married people filing separately use the single thresholds up to the 35% bracket. The 37% rate starts lower, above $396,825 for 2027 (projected), compared with $384,350 for 2026.
What it means for a $75,000 single filer
Take a single filer with $75,000 in wages, no other income and the standard deduction. With the same pay in both years, the projected 2027 numbers cut federal income tax by $280.50, because more of the income falls under the deduction and the lower brackets.
| Scenario | Taxable income | Income tax | Share of wages | Top rate reached |
|---|---|---|---|---|
| 2026 rules, $75,000 wages | $58,900 | $7,670.00 | 10.2% | 22% |
| 2027 projected rules, $75,000 wages | $58,400 | $7,389.50 | 9.9% | 22% |
| 2027 projected rules, $77,250 wages (3% raise) | $60,650 | $7,884.50 | 10.2% | 22% |
$75,000 − $16,600 standard deduction = $58,400 taxable; 10% and 12% brackets, then 22% on the rest = $7,389.50
The third row shows the point of the adjustment. With a 3% raise to $77,250, the tax goes up, but the share of wages paid in federal income tax (10.2%) is about the same as at $75,000 under 2026 rules (10.2%). Without inflation adjustments, a raise that only keeps up with prices would push more of your pay into higher brackets. This calculation leaves out credits, state tax and Social Security and Medicare taxes.
Why the brackets move every year
The law requires the IRS to adjust the brackets, the standard deduction and dozens of other amounts for inflation every year. The adjustment uses the chained consumer price index (C-CPI-U) over the 12 months ending in August, and the results are rounded to set increments.
Two things make the 2027 adjustment a little harder to predict than usual:
- A missing month of inflation data. The October 2025 price index was never published because of the government shutdown. Wolters Kluwer used an 11-month average instead and says it isn't clear how the IRS will handle the gap (Wolters Kluwer). The official numbers could differ by a rounding step.
- The 2026 extra bump for the bottom brackets. The 2025 tax law (Public Law 119-21) gave the 10% and 12% brackets an extra inflation adjustment for 2026, about 4% versus 2.3% for the higher brackets (Tax Foundation). The projections assume that was a one-time change, so for 2027 every bracket rises by about the same percentage. No official source has confirmed that yet.
What to do now
- Don't change your W-4 just for this. Employers switch to new withholding tables in January, so most people see a slightly bigger paycheck automatically if their pay doesn't change. Check your take-home pay with the paycheck calculator.
- Get 2026 right first. The return you file in 2027 uses 2026 brackets. The tax refund calculator estimates it, and the W-4 calculator shows how to fix withholding for the rest of this year.
- Plan contributions. Pre-tax 401(k) contributions lower taxable income. See what they do to each paycheck with the 401(k) paycheck calculator, then fit them into a plan with the budget calculator.
Common questions
When will the IRS release the official 2027 tax brackets?
The IRS usually publishes next year's brackets and standard deduction in October or November (October 9 last year). Wolters Kluwer expects late October or early November 2026.
Are these the brackets for the taxes I file in 2027?
No. The 2027 brackets apply to income earned during 2027, which you report in early 2028. The return you file in early 2027 covers 2026 and uses the 2026 brackets in the left-hand columns.
Are tax rates going up in 2027?
No. The seven rates (10% to 37%) were made permanent by the 2025 tax law. Only the income thresholds and the standard deduction change, and they go up with inflation.
Will my paycheck change in January 2027?
Probably a little. Payroll withholding tables are updated for the new brackets and standard deduction, so if your pay stays the same, slightly less federal tax is usually withheld. A raise, a new benefit choice or a new W-4 will change it more.
Do the 10% and 12% brackets get an extra boost again in 2027?
The projections assume not. The extra adjustment in 2026 appears to have been a one-time change, and the projected 2027 thresholds for the bottom two brackets rise by about the same 3.2% as the others. We'll update this page if the IRS says otherwise.
Why might the official numbers be different from these?
Projections are built from the same inflation formula the IRS uses, so they're usually very close. This year the October 2025 inflation figure is missing, and small differences can change a threshold by one rounding step ($25 or $50).
Sources
- Revenue Procedure 2025-32 (2026 inflation adjustments) — Internal Revenue Service. Accessed October 14, 2026. Published October 9, 2025.
- Projected 2027 federal tax brackets — Wolters Kluwer. Accessed October 14, 2026. Published September 18, 2026.
- 2027 tax brackets: Bloomberg Tax projects IRS inflation adjustments — CBS News (reporting Bloomberg Tax). Accessed October 14, 2026. Published September 11, 2026.
- 2026 tax brackets — Tax Foundation. Accessed October 14, 2026. Published September 30, 2026.
- IRS releases tax inflation adjustments for tax year 2026 (IR-2025-103) — Internal Revenue Service. Accessed October 14, 2026. Published October 9, 2025.