2027 tax brackets and standard deduction (official IRS figures)
Short answer
For 2027 the seven federal rates stay at 10% to 37%, with brackets about 3% higher. The standard deduction rises to $16,600 for single filers, $33,200 for married couples filing jointly and $24,925 for heads of household (IRS Rev. Proc. 2026-35).
The IRS published the 2027 inflation adjustments in Revenue Procedure 2026-35 on November 5, 2026. They apply to income you earn in 2027, which you’ll report on returns filed in early 2028. Brackets moved up by roughly 3%, so the same salary is taxed slightly less than in 2026.
2027 federal income tax brackets
These are taxable income ranges, after deductions.
| 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 |
2027 standard deduction
| Filing status | 2027 | 2026 | Change |
|---|---|---|---|
| Single | $16,600 | $16,100 | +$500 |
| Married filing jointly | $33,200 | $32,200 | +$1,000 |
| Head of household | $24,925 | $24,150 | +$775 |
If you’re 65 or older, you get an extra $2,100 (single) or $1,700 per spouse (married). On top of that, the separate $6,000 senior deduction from the One Big Beautiful Bill Act still applies in 2027. It phases out above $75,000 of income (single) or $150,000 (joint) and is scheduled to end after 2028.
Worked example: single, $75,000 salary
- Taxable income: $75,000 − $16,600 standard deduction = $58,400
- 10% on the first $12,800 = $1,280
- 12% on the next $39,225 (up to $52,025) = $4,707
- 22% on the last $6,375 = $1,402.50
- Federal income tax: $7,389.50, about 9.9% of the salary, even though the top bracket is 22%
This is the most common misunderstanding: moving into a higher bracket only taxes the dollars above that line at the higher rate. A raise never lowers your take-home pay because of brackets.
Other 2027 numbers
- Long-term capital gains: 0% up to $51,050 of taxable income (single) or $102,100 (joint), then 15%, and 20% above $563,200 (single) or $633,600 (joint).
- Child tax credit: $2,300 per child, with up to $1,800 refundable.
- Annual gift exclusion: $20,000 per recipient.
- Estate tax exemption: $15,480,000.
When you come to file
Brackets only matter once you file. If your return is simple (W-2 income, standard deduction, maybe some interest or a 1099-K), you shouldn’t need to pay much, or anything, to file.
| Service | Federal | State | Best for |
|---|---|---|---|
| FreeTaxUSA | Free, all forms | Around $15 | Most people, including side-hustle income |
| TurboTax | Free for simple returns, paid tiers above | Paid | Guided step-by-step help, live expert add-on |
| H&R Block | Free for simple returns, paid tiers above | Paid | Switching between online and an in-person office |
| IRS Free File | Free | Free with some partners | Income under the IRS limit (about $89,000) |
Prices change through the season and usually go up in March, so starting early is the simplest way to pay less.
What to do now
- Check your W-4 in January 2027, especially if your income or household changed.
- If you’re near a bracket line, extra 401(k) or traditional IRA contributions lower your taxable income at your top rate.
- Filing for 2026 first? See the 2026 tax brackets you’ll use in your return next spring.
Figures from IRS Revenue Procedure 2026-35, as tabulated by the Tax Foundation. 2026 figures from the IRS. General information, not tax advice.
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