2027 Tax Bracket Calculator
Official 2026 brackets vs. projected 2027 brackets, side by side. Enter your income and see exactly how the ~3.2% inflation adjustment and the bigger standard deduction change your federal income tax.
2026 figures: IRS Rev. Proc. 2025-32 (official). 2027 figures: Wolters Kluwer projection (Sept 2026 CPI) — IRS official numbers due late Oct/Nov 2026.
Show the bracket-by-bracket math
- 10% × $12,400 = $1,240
- 12% × $38,000 = $4,560
- 22% × $8,500 = $1,870
- 10% × $12,800 = $1,280
- 12% × $39,225 = $4,707
- 22% × $6,375 = $1,403
Federal income tax only (no FICA, credits, or state tax). 2027 figures are projections — see sources below.
⚠️ This calculator provides estimates for informational and educational purposes only. It is not tax advice. Results are based on the One Big Beautiful Bill Act (OBBBA) and IRS Schedule 1-A. Consult a qualified tax professional for your specific situation.
Projected 2027 Federal Tax Brackets
| Rate | Single | Married Filing Jointly | Head of Household |
|---|---|---|---|
| 10% | $0 – $12,800 | $0 – $25,600 | $0 – $18,250 |
| 12% | $12,801 – $52,025 | $25,601 – $104,050 | $18,251 – $69,650 |
| 22% | $52,026 – $109,125 | $104,051 – $218,250 | $69,651 – $109,100 |
| 24% | $109,126 – $208,325 | $218,251 – $416,650 | $109,101 – $208,300 |
| 32% | $208,326 – $264,550 | $416,651 – $529,100 | $208,301 – $264,550 |
| 35% | $264,551 – $661,375 | $529,101 – $793,650 | $264,551 – $661,350 |
| 37% | over $661,375 | over $793,650 | over $661,350 |
Married filing separately: same as single except the 35% bracket tops out at $396,825. Taxable income brackets — subtract the standard deduction first.
Sources & Effective Dates
- • 2026 numbers (official): IRS Rev. Proc. 2025-32 / IR-2025-103 (Oct 9, 2025). Effective for tax year 2026, the return filed in spring 2027.
- • 2027 numbers (projected): Wolters Kluwer projection based on Sept 11, 2026 CPI (~3.2% adjustment), matching Bloomberg Tax and Thomson Reuters Checkpoint. Official IRS Revenue Procedure expected late Oct/Nov 2026; effective for tax year 2027 (returns filed 2028).
- • Rate structure (permanent): OBBBA (P.L. 119-21, §70101) made the 10–37% rates permanent — no TCJA sunset.
What Brings Your 2027 Bill Down Further
Brackets are only half the story. The OBBBA deductions stack on top of the standard deduction and survive through 2028: overtime premium, qualified tips, the 65+ deduction, and car loan interest. To get that money in your paycheck instead of next year's refund, run the W-4 2027 calculator — or see the full list of OBBBA 2027 changes.
Frequently Asked Questions
Are the 2027 tax brackets official yet?
No. As of October 2026, the IRS has not released its 2027 inflation-adjustment Revenue Procedure (expected late October or November 2026). The 2027 numbers on this page are the Wolters Kluwer projection from September 2026 CPI data, which Bloomberg Tax and Thomson Reuters Checkpoint independently match. The official figures may differ by small rounding amounts.
Why did the rates stay at 10%–37%?
The One Big Beautiful Bill Act (July 2025) made the TCJA seven-rate structure permanent. Without it, rates would have snapped back to 10/15/25/28/33/35/39.6% in 2026. Only the income ranges move each year with inflation.
How much do the 2027 brackets go up?
About 3.2% at every bracket line — larger than the 2.7% adjustment for 2026. The single 37% threshold moves from $640,600 to a projected $661,375; the joint threshold from $768,700 to $793,650.
What is the 2027 standard deduction?
Projected at $16,600 single and married filing separately, $33,200 married filing jointly, and $24,950 head of household — up from $16,100 / $32,200 / $24,150 in 2026 (official, Rev. Proc. 2025-32).
Will I pay less tax in 2027 at the same salary?
Probably a little, from two stacked effects: every bracket line rises ~3.2%, and the standard deduction rises $500 (single) / $1,000 (joint). The calculator shows the exact combined effect. If your raise outpaces 3.2%, bracket creep can still push you into a higher bracket.
Do the OBBBA overtime and tips deductions still exist in 2027?
Yes. The no-tax-on-overtime premium deduction (up to $12,500 single / $25,000 joint), the tips deduction ($25,000 cap), the senior deduction ($6,000/person), and the car loan interest deduction ($10,000) all run through tax year 2028 — with fixed dollar caps that are NOT inflation-indexed. Estimate yours on the W-4 2027 page.