2027 Federal Tax Brackets (Projected): Rates, Thresholds and Standard Deduction

The 2027 federal tax brackets are not official yet. The IRS sets them by revenue procedure, usually in late October or early November, and the figures below are projections — ours, calculated from the official 2026 amounts and the inflation adjustment the law prescribes. We will replace them with the official numbers on the day the revenue procedure is published.

If you are filing a return right now, the 2026 federal tax brackets are the ones you need. The 2027 figures apply to income earned in calendar year 2027, on the return filed in early 2028.

Are the 2027 brackets official yet?

No. Here is where things stand:

• 2026 figures are official, set by IRS Revenue Procedure 2025-32.
• 2027 figures are pending. The IRS has historically published the following year’s inflation adjustments in October or early November.
• The seven marginal rates — 10%, 12%, 22%, 24%, 32%, 35% and 37% — are set by statute and are not expected to change. What moves each year is the income threshold at which each rate starts.

How the adjustment is calculated

Bracket thresholds and the standard deduction are indexed to the Chained Consumer Price Index for All Urban Consumers (C-CPI-U), not the headline CPI most people see reported. Chained CPI accounts for consumers substituting between goods when prices change, so it generally runs slightly below standard CPI — which means brackets rise a little more slowly than they would under the older measure.

For 2027 the adjustment is widely projected at approximately 3.2%, up from the 2.7% applied for 2026. The tables below apply that 3.2% to each official 2026 threshold and round to the nearest $25, which is the convention the IRS uses for bracket boundaries.

One check worth noting: applying 3.2% to the official 2026 single standard deduction of $16,100 produces $16,600 after rounding, which matches the figure independent forecasters have published. That agreement is why we are comfortable showing the tables — but a projection is still a projection, and individual thresholds may land a little differently once the IRS applies its own rounding.

2027 Federal Tax Brackets (Projected): Single Filers

2027 Federal Tax Brackets (Projected): Married Filing Jointly

2027 Federal Tax Brackets (Projected): Married Filing Separately

2027 Federal Tax Brackets (Projected): Head of Household

2027 Standard Deduction (Projected)

These four figures are locked to each other by statute: married filing jointly is exactly twice the single amount, and head of household is one and a half times it. That internal consistency is a useful sanity check on any projection you see — if a published table breaks those ratios, something in it is wrong.

What a 3.2% adjustment actually does for you

Indexing is not a tax cut. It exists to stop bracket creep — the effect where a raise that merely matches inflation pushes you into a higher bracket and leaves you worse off in real terms.

The practical effect for most people is modest and comes from two places at once: a larger standard deduction reduces taxable income, and wider brackets mean more of what remains is taxed at lower rates. A single filer whose income rises exactly 3.2% between 2026 and 2027 should pay close to the same effective rate in both years. Someone whose income is flat will pay slightly less.

Remember that these thresholds apply to taxable income — what is left after the standard deduction or itemised deductions — not to gross earnings. Moving into a higher bracket only affects the dollars above that threshold, never your whole income.

Which year’s figures should you actually be using?

• Filing a return now? You need the figures for the tax year the return covers. See the 2026 federal tax brackets.
• Planning estimated payments or withholding for calendar 2027? The projections above are a reasonable planning basis, with the caveat that they are not final.
• Making a decision that turns on an exact threshold? Wait for the revenue procedure, or check with whoever signs off on your tax position.

Frequently asked questions

When will the IRS publish the official 2027 tax brackets?

Historically in late October or early November of the preceding year, by revenue procedure. The 2026 figures came in Revenue Procedure 2025-32. We will update this page with the official 2027 numbers once they are released.

Are the 2027 tax rates changing?

The seven marginal rates — 10%, 12%, 22%, 24%, 32%, 35% and 37% — are set by statute and are not expected to change for 2027. Only the income thresholds move with inflation.

Why is the adjustment 3.2% when inflation was reported differently?

Tax brackets are indexed to chained CPI (C-CPI-U), not the headline CPI figure reported in the news. Chained CPI accounts for consumers substituting between goods as prices change, so it typically runs slightly lower.

How accurate are these projections?

The standard deduction figures match what independent forecasters have published, and the method is the one the statute prescribes. Individual bracket thresholds may differ by small amounts once the IRS applies its own rounding. Treat them as a planning estimate, not as official figures.

What is the projected 2027 standard deduction?

$16,600 for single filers and married filing separately, $33,200 for married filing jointly, and $24,900 for head of household — increases of $500, $1,000 and $750 respectively over 2026.

Does a bigger standard deduction mean I owe less?

All else equal, yes: the standard deduction reduces taxable income, so a larger one leaves less income exposed to tax. Whether your total bill falls depends on what happens to your income as well.

Not tax advice. Maxim Liberty is a bookkeeping and tax preparation company, not a CPA firm — we do not provide audit, attest or audit-defence services, and nothing here creates a professional relationship. This page is general information rather than advice about your own situation, the 2027 figures on it are projections rather than official amounts, and it may not fit your facts. If you want the books behind your return kept accurate month to month, or the return itself prepared, that is work we do.