Home / Taxes & accounts / 2027 tax brackets and standard deduction
Taxes & accounts2027 tax brackets and standard deduction
The IRS has not published the 2027 figures yet; it usually does in October or November. Bloomberg Tax projects a 3.2% inflation adjustment, which would raise the standard deduction to $16,600 for single filers and $33,200 for married couples filing jointly, from $16,100 and $32,200 in 2026. The seven rates, 10% to 37%, stay the same.
Projected figures. This page will be updated with the official IRS numbers on the day they are released, at this same address. File your taxes with the IRS figures, not these projections.
Standard deduction: 2026 and projected 2027
| 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 |
The 2026 amounts are the IRS's, under the One, Big, Beautiful Bill. The 2027 head of household figure is Bloomberg Tax's expected rounding of $24,925.
Tax brackets for single filers
| Rate | 2026 taxable income (official) | 2027 taxable income (projected) |
|---|---|---|
| 10% | Up to $12,400 | Up to $12,800 |
| 12% | $12,400 to $50,400 | $12,800 to about $52,025 |
| 22% | $50,400 to $105,700 | about $52,025 to about $109,125 |
| 24% | $105,700 to $201,775 | about $109,125 to about $208,225 |
| 32% | $201,775 to $256,225 | about $208,225 to about $264,425 |
| 35% | $256,225 to $640,600 | about $264,425 to $661,375 |
| 37% | Over $640,600 | Over $661,375 |
Tax brackets for married couples filing jointly
| Rate | 2026 taxable income (official) | 2027 taxable income (projected) |
|---|---|---|
| 10% | Up to $24,800 | Up to $25,600 |
| 12% | $24,800 to $100,800 | $25,600 to about $104,025 |
| 22% | $100,800 to $211,400 | about $104,025 to $218,250 |
| 24% | $211,400 to $403,550 | $218,250 to about $416,475 |
| 32% | $403,550 to $512,450 | about $416,475 to about $528,850 |
| 35% | $512,450 to $768,700 | about $528,850 to $793,650 |
| 37% | Over $768,700 | Over $793,650 |
Projected thresholds without "about" are Bloomberg Tax's figures. Those marked "about" are the 2026 threshold raised by 3.2% and rounded to $25, our estimate until the IRS publishes. Brackets apply to taxable income, after the standard deduction or itemized deductions.
What it means for a $75,000 salary
A single filer with $75,000 of income and the standard deduction owes about $7,670 of federal income tax for 2026. With the projected 2027 figures, the same income would owe about $7,390, $280 less, because more of it falls under the deduction and the lower brackets. A raise that only keeps up with inflation does not push you into a higher bracket.
Why the brackets can be projected
The law ties the brackets to the chained consumer price index (C-CPI-U) for the 12 months ending in August. That data is already public, so the size of the change can be worked out before the IRS release. The official numbers can still differ by a few dollars because of rounding.
These figures are illustrations worked out from stated assumptions, not forecasts. Real returns vary from year to year, and taxes, fees and the order of good and bad years change the outcome. See the disclaimer.
Questions people ask
When will the IRS release the 2027 tax brackets?
Usually in October or November. The 2026 figures came out on October 9, 2025. This page changes to the official figures the day they appear.
What is the standard deduction for 2027?
Projected at $16,600 for single filers, $33,200 for married couples filing jointly and $24,950 for heads of household. For 2026 it is $16,100, $32,200 and $24,150.
Do the 2026 brackets apply to the taxes I file in 2027?
Yes. The 2026 brackets apply to income earned in 2026, on the return filed in early 2027. The 2027 brackets apply to returns filed in 2028.
Related
401(k) and IRA limits for 2027 and the Roth conversion ladder, which uses the low brackets on purpose.
Sources
- Internal Revenue Service, "IRS releases tax inflation adjustments for tax year 2026", IR-2025-103, and Revenue Procedure 2025-32.
- Bloomberg Tax projection of the 2027 inflation adjustments (3.2%), as reported by Beancount on September 26, 2026.
Keep reading
- The rule of 55, explained
How the IRS exception for leaving a job at 55 works, which accounts it covers and what it does not do.
- 72(t) SEPP rules, explained
The IRS methods, the rate cap, the 5-year-or-59½ rule and what breaking the schedule costs.
Last reviewed by Asier Fernández, editor, on . Educational information only, not financial advice. How we calculate