The 2027 tax brackets are expected to rise by roughly 3.2% for inflation, which means each bracket will cover more income before a higher rate kicks in. Based on projections from Thomson Reuters Checkpoint and Bloomberg Tax, the 10% bracket for a single filer would top out at $12,800 (up from $12,400 in 2026), and the standard deduction for married couples filing jointly would climb to about $33,200. The tax rates themselves stay the same: 10%, 12%, 22%, 24%, 32%, 35% and 37%.
One important caution up front: as of October 31, 2026, the IRS has not yet published its official 2027 inflation adjustments. Every 2027 figure in this article is a projection. Official numbers usually match these projections closely, but they can differ by a small rounding step.
When Will the IRS Release the 2027 Tax Brackets?
The IRS announces each year’s inflation adjustments in a Revenue Procedure, usually in October or November. For example, the 2026 figures were released on October 9, 2025 in Rev. Proc. 2025-32, while the 2024 figures did not come out until November 9, 2023. So a release in early November would not be unusual.
Independent publishers calculated their projections using the inflation data the law requires. Bloomberg Tax projected a 3.2% adjustment, compared with 2.7% for 2026. Thomson Reuters Checkpoint published matching bracket figures. One wrinkle: the Bureau of Labor Statistics never published an October 2025 consumer price index because of last year’s government shutdown, and the IRS has not said how it will handle that missing month (finbarrow). That is one reason the final numbers could shift slightly.
Keep in mind that 2027 brackets apply to income you earn in 2027, reported on the return you file in early 2028. Your 2026 income (the return you file next spring) uses the 2026 brackets.
Projected 2027 Federal Income Tax Brackets
The table below shows the top of each bracket based on taxable income. Figures are from Thomson Reuters Checkpoint.
| Rate | Single | Married Filing Jointly | Head of Household | Married Filing Separately |
| 10% | Up to $12,800 | Up to $25,600 | Up to $18,250 | Up to $12,800 |
| 12% | Up to $52,025 | Up to $104,050 | Up to $69,650 | Up to $52,025 |
| 22% | Up to $109,125 | Up to $218,250 | Up to $109,100 | Up to $109,125 |
| 24% | Up to $208,325 | Up to $416,650 | Up to $208,300 | Up to $208,325 |
| 32% | Up to $264,550 | Up to $529,100 | Up to $264,550 | Up to $264,550 |
| 35% | Up to $661,375 | Up to $793,650 | Up to $661,350 | Up to $396,825 |
| 37% | Over $661,375 | Over $793,650 | Over $661,350 | Over $396,825 |
Remember that the U.S. uses a marginal system. Moving into a higher bracket only raises the rate on the dollars above that bracket’s threshold, not on all of your income.
How the Projected 2027 Brackets Compare to 2026
The official 2026 thresholds come from Rev. Proc. 2025-32. Here is how the projected changes look for single filers and married couples filing jointly:
| Rate | Single 2026 | Single 2027 (projected) | MFJ 2026 | MFJ 2027 (projected) |
| 10% | $12,400 | $12,800 | $24,800 | $25,600 |
| 12% | $50,400 | $52,025 | $100,800 | $104,050 |
| 22% | $105,700 | $109,125 | $211,400 | $218,250 |
| 24% | $201,775 | $208,325 | $403,550 | $416,650 |
| 32% | $256,225 | $264,550 | $512,450 | $529,100 |
| 35% | $640,600 | $661,375 | $768,700 | $793,650 |
If your pay rises at about the rate of inflation, you will likely land in the same bracket next year. If your raise is smaller than inflation, a slightly bigger share of your income could fall into a lower bracket. For a deeper look at this year’s numbers, see our guide to 2026 income tax brackets.
2027 Standard Deduction and Other Key Amounts
The standard deduction is also indexed for inflation. Projected figures for 2027, with official 2026 amounts for comparison:
| Item | 2026 (official) | 2027 (projected) |
| Standard deduction, single or MFS | $16,100 | $16,600 |
| Standard deduction, married filing jointly | $32,200 | $33,200 |
| Standard deduction, head of household | $24,150 | $24,900 to $24,950 |
| Additional deduction, 65+ or blind (unmarried) | $2,050 | $2,100 |
| Additional deduction, 65+ or blind (married, each) | $1,650 | $1,700 |
| Annual gift tax exclusion | $19,000 | $20,000 |
Sources: 2026 amounts from Rev. Proc. 2025-32; 2027 projections from Thomson Reuters Checkpoint and, for the gift exclusion, Greenleaf Trust. Projections for the head of household deduction differ by $50 between sources, so watch for the official figure.
A few other projected 2027 amounts worth knowing, all from Thomson Reuters Checkpoint:
- Child Tax Credit: $2,300 per qualifying child, with up to $1,800 refundable.
- Senior deduction: the extra $6,000 deduction for people 65 and older (available 2025 through 2028) is not indexed, so it stays at $6,000. It phases out by 6% of modified AGI above $75,000 (single) or $150,000 (joint).
- AMT exemption: $93,000 for unmarried filers and $144,700 for joint filers.
- Qualified business income (Section 199A) threshold: $208,300, or $416,650 for joint filers.
If a large gift or estate transfer is on your radar, the projected 2027 estate and gift tax exemption is roughly $15.5 million per person (Greenleaf Trust projects $15.47 million), up from $15 million in 2026. Our post on 2026 estate tax updates explains how the new permanent exemption works.
Long-Term Capital Gains Brackets for 2027
Long-term capital gains and qualified dividends have their own 0%, 15% and 20% rates, and those income thresholds are indexed too. Projected 2027 figures from Thomson Reuters Checkpoint:
| Filing status | 0% rate up to | 15% rate up to | 20% rate above |
| Single | $51,050 | $563,200 | $563,200 |
| Married filing jointly | $102,100 | $633,600 | $633,600 |
| Head of household | $68,350 | $598,400 | $598,400 |
| Married filing separately | $51,050 | $316,800 | $316,800 |
The 0% bracket is especially useful for retirees and lower-income years. If your taxable income will fall under these thresholds, you may be able to sell appreciated investments with no federal tax on the gain.
How to Use the 2027 Tax Brackets in Your Planning Now
Even though the numbers are projections, they are useful for decisions you make in the next two months:
- Compare this year and next year. If you expect a lower income in 2027 (retirement, a sabbatical, a business slowdown), deferring income such as a year-end bonus or invoice can shift it into a lower bracket.
- Bunch deductions. With a standard deduction of about $33,200 for couples, many people do better grouping two years of charitable gifts into one year. The new charitable rules make this more nuanced, so read our post on charitable deduction rules for 2026 before you give.
- Fill up a low bracket with a Roth conversion. Converting just enough to reach the top of the 12% or 22% bracket can lock in a known rate.
- Update your withholding for January. Employers will use the new tables for 2027 paychecks, so it’s a good time to check your W-4.
- Review the full checklist. Our year-end tax planning guide for 2026 walks through ten moves to make before December 31.
Frequently Asked Questions
What are the tax brackets for 2027?
The seven federal rates stay at 10%, 12%, 22%, 24%, 32%, 35% and 37%. Projected thresholds are about 3.2% higher than 2026. For example, the 37% rate would start above $661,375 for single filers and $793,650 for married couples filing jointly.
Has the IRS released the 2027 tax brackets yet?
Not as of October 31, 2026. The IRS typically publishes the official figures in October or November. The numbers in this article are projections from Thomson Reuters Checkpoint and Bloomberg Tax.
What is the standard deduction for 2027?
The projected 2027 standard deduction is $16,600 for single filers, $33,200 for married couples filing jointly, and about $24,900 for heads of household.
Do the 2027 brackets apply to the taxes I file in 2027?
No. The return you file in early 2027 covers your 2026 income and uses the 2026 brackets. The 2027 brackets apply to income earned during 2027.
Get Help Planning Around the New Brackets
Bracket changes are small on their own, but they can change the math on Roth conversions, capital gains harvesting and the timing of income and deductions. If you’d like a second set of eyes on your 2026 and 2027 plan, book a free consultation with Aric. We’ll update you when the IRS releases the official figures.
This article provides information only and should not be construed as advice. It is provided without warranty of any kind.
