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2027 Tax Bracketsby plusbeauxjours

2027 Tax Brackets: What Changes for You

See how much more or less federal tax you'd pay in 2027. Free.

Filing status

Unmarried on December 31, and you don't qualify as head of household.

After pre-tax 401(k), HSA and health premiums.

What counts as income?

Your income after pre-tax 401(k)/HSA/health premiums: about “adjusted gross income” (Form 1040 line 11). Retired? Count only the taxable part of Social Security. You can type 68000, 68,000, $68,000 or 68k.

Optional details (make it more exact)

Expect a raise? Enter your 2027 income. Leave blank to use the same as 2026.

Children who'll be under 17 at the end of the year and have a Social Security number. We use the same number for both years.

Year you were born: only used to check the 65+ extras (bigger standard deduction and the $6,000 senior deduction).

More options: blindness, charity, wages
Legally blind

From 2026 you can deduct up to $1,000 ($2,000 filing jointly) without itemizing.

We never ask for your name, Social Security number, or bank details. Everything is calculated in your browser.

Your 2026 vs 2027 estimate

Pick a filing status and enter your income to compare.

You'll see:

  • your federal income tax for 2026 and 2027
  • the difference per paycheck
  • why it changed, in plain sentences

2027: Projected2027 numbers are projections from Bloomberg Tax and Thomson Reuters, based on the inflation data the IRS uses. The IRS usually publishes the official 2027 numbers in October or early November. We'll switch to the official numbers the day they're out.

The bracket staircase

Each step is a tax bracket: wider means more dollars, taller means a higher rate. Enter your income above and it fills these steps from the left.

Filled: your taxable dollarsDashed: projectedThin line: where the 2026 steps were

Brackets (single)
Rate2026 bracket2027 bracket (projected)
10%$0 to $12,400$0 to $12,800
12%$12,401 to $50,400$12,801 to $52,025
22%$50,401 to $105,700$52,026 to $109,125
24%$105,701 to $201,775$109,126 to $208,325
32%$201,776 to $256,225$208,326 to $264,550
35%$256,226 to $640,600$264,551 to $661,375
37%Over $640,600Over $661,375

Getting Social Security?

Pair this with our 2027 COLA calculator to see your January 2027 check after the cost-of-living raise and Medicare Part B.

How it works

Each fall the IRS raises the tax brackets and the standard deduction to keep up with inflation. If your income stays the same, more of it falls into the lower brackets and less of it is taxed at all. This calculator runs your numbers through both years' rules and shows the difference.

  1. Pick your filing status and enter your income. Use your income after pre-tax retirement and health deductions, close to line 11 of Form 1040.
  2. We subtract your deductions: the standard deduction, the extra amount for being 65+ or blind, the new senior deduction, and up to $1,000 of charity if you don't itemize.
  3. We tax what's left with each year's brackets, the same way the IRS does: the Tax Table under $100,000, the rate schedule above it. Then we take off the Child Tax Credit.
  4. We compare 2027 with 2026 and explain each change in a sentence.

2026 numbers are official (IRS Rev. Proc. 2025-32). 2027 numbers are projected Projected until the IRS publishes them, from Thomson Reuters Checkpoint and Bloomberg Tax, which agree on every number they both published.

Words you'll see

Standard deduction

A flat amount you subtract from your income before tax is figured. Most people take it instead of listing deductions.

Taxable income

Your income minus your deductions. Tax brackets apply to this number, not your salary.

Tax bracket (marginal rate)

The rate on your last dollar of taxable income. Moving into a higher bracket only taxes the dollars above the line at the higher rate, never your whole income.

Effective rate

Your total federal income tax divided by your income. This is the share you actually pay.

Senior deduction

A new $6,000 deduction for each person 65 or older, for 2025 to 2028. It shrinks once income passes $75,000 ($150,000 for couples filing jointly).

Child Tax Credit

Up to $2,200 per child under 17 in 2026 (projected $2,300 in 2027), subtracted from your tax. Part of it can come back to you as a refund.

Projected vs official

Projected = calculated by tax publishers from inflation data. Official = published by the IRS.

Worked example: Maya, single, $68,000

Maya is 29, rents, and is paid every two weeks. Her income after 401(k) is $68,000 in both years.

  • 2026: $68,000 minus the $16,100 standard deduction leaves $51,900 of taxable income. The Tax Table gives $6,136. Her last dollar is in the 22% bracket, but her effective rate is only 9.0%.
  • 2027: the standard deduction rises to $16,600, so taxable income drops to $51,400: $5,915. The 12% bracket now runs to $52,025, so her last dollar falls back into 12%.

In 2027 you'd pay about $221 less federal income tax than in 2026. About $8.50 less per paycheck (26 paychecks a year).

What's not included

This is federal income tax on the standard-deduction path only. We don't include state or local tax, Social Security and Medicare (FICA) taxes, itemized deductions, the Earned Income Tax Credit, the $500 credit for other dependents, capital gains rates, self-employment tax, the alternative minimum tax, or filers who are someone else's dependent.

Three new deductions for 2025–2028 also aren't in the calculator yet:

  • No tax on tips: up to $25,000, phasing out for MAGI over $150,000 ($300,000 joint).
  • No tax on overtime: up to $12,500 ($25,000 joint), phasing out for MAGI over $150,000 ($300,000 joint).
  • Car loan interest: up to $10,000, phasing out for MAGI over $100,000 ($200,000 joint).

If any of these apply to you, your real tax will be lower than shown, but the change from 2026 to 2027 is usually close.

Questions

When will the IRS release the official 2027 tax brackets?

The IRS hasn't announced a date. It usually publishes next year's numbers in October or early November: the 2026 numbers came out on October 9, 2025, the 2025 numbers on October 22, 2024, and the 2024 numbers on November 9, 2023. Until then, 2027 figures here are projections, and we switch to the official numbers the day they're out.

Are the 2027 brackets the same as what I file in 2027?

No. The return you file in early 2027 is for tax year 2026, so it uses the 2026 brackets. The 2027 brackets apply to income you earn during 2027, which you report on the return you file in early 2028. Your paycheck withholding starts using 2027 tables in January 2027.

Will moving into a higher bracket make me take home less?

No. Brackets are marginal: only the dollars above a bracket line are taxed at the higher rate, never your whole income. A raise that pushes you into the next bracket still leaves you with more money after federal income tax. The staircase chart above shows exactly which dollars land in which bracket.

What is the $6,000 senior deduction and do I get it in 2027?

It's a new deduction of $6,000 for each person who is 65 or older by the end of the year, for tax years 2025 through 2028. You get it whether or not you itemize. It shrinks by 6% of income over $75,000 ($150,000 for joint returns), married couples must file jointly to get it, and each person needs a valid Social Security number. It is not adjusted for inflation, so it's the same in 2027.

Do “no tax on tips” and “no tax on overtime” change this result?

They can lower your tax, but this calculator doesn't include them yet. No tax on tips: deduct up to $25,000 of qualified tips; it phases out for MAGI over $150,000 ($300,000 joint). No tax on overtime: deduct the extra “half” of overtime pay, up to $12,500 ($25,000 joint), phasing out for MAGI over $150,000 ($300,000 joint). Car loan interest: up to $10,000 on a new US-assembled vehicle. All run 2025–2028 and aren't allowed for married filing separately.

Should I itemize instead of taking the standard deduction?

Only if your itemized deductions add up to more than your standard deduction ($16,100 single, $32,200 joint in 2026). The state and local tax (SALT) cap is $40,400 in 2026 and $40,804 in 2027 by statute, reduced for incomes over $505,000. Starting in 2026, itemized charitable gifts only count above 0.5% of your income. This tool doesn't model itemizing.

Can I deduct charity without itemizing?

Yes, starting with tax year 2026. If you take the standard deduction you can also deduct up to $1,000 ($2,000 on a joint return) of cash gifts to public charities. Gifts to donor-advised funds don't count. Enter your cash gifts under “More options” and we include them for both years.

Why might my paycheck change differently from this estimate?

Your paycheck depends on your employer's withholding tables, the W-4 you filed, pre-tax benefits like 401(k) and health premiums, and Social Security and Medicare taxes, which this tool doesn't include. Withholding is also an estimate of your yearly tax, so the per-paycheck number here shows the change in your tax, not exactly what your pay stub will show.

Sources

Every number, with links and the date we checked it, is on the sources & method page. Last updated .