tax
2027 Tax Brackets and Standard Deduction: What Changed
On Nov 5, 2026 the IRS published 2027 inflation adjustments (IR-2026-133, Rev. Proc. 2026-35). The single / married-filing-separately standard deduction is $16,600. Rates stayed the same; the dollar thresholds moved up about 3.2%. These numbers apply to 2027 income on returns filed in 2028.
By UtilBloom · Published 2026-11-08 · Updated 2026-11-08
What the IRS announced
The IRS released tax year 2027 inflation adjustments on Nov 5, 2026 (news release IR-2026-133; details in Rev. Proc. 2026-35). They apply to income earned in 2027, on returns filed in 2028. The return you file in early 2027 still uses 2026 numbers. NerdWallet put the inflation adjustment at about 3.2%. The rate schedule itself did not change: 10%, 12%, 22%, 24%, 32%, 35%, and 37%. Only the income thresholds moved. Read the IRS release: irs.gov newsroom.
2027 standard deduction
Single / married filing separately: $16,600 (+$500). Head of household: $24,925 (+$775). Married filing jointly: $33,200 (+$1,000).
2027 federal income tax brackets
Thresholds are "taxable income over" the amount in each cell. Rates are unchanged.
| Rate | Single | Married filing jointly |
|---|---|---|
| 10% | $0 | $0 |
| 12% | $12,800 | $25,600 |
| 22% | $52,025 | $104,050 |
| 24% | $109,125 | $218,250 |
| 32% | $208,325 | $416,650 |
| 35% | $264,550 | $529,100 |
| 37% | $661,375 | $793,650 |
Other 2027 amounts worth knowing
Child Tax Credit up to $2,300 (up to $1,800 refundable). Health FSA limit $3,500 with $700 carryover. Annual gift exclusion $20,000. Earned Income Credit max (3+ kids) $8,496. Estate tax exclusion $15,480,000.
Worked example: single filer, $75,000
Assume a single filer with $75,000 of income and the standard deduction only. Taxable income: 75,000 − 16,600 = $58,400. 10% × 12,800 = $1,280.00 12% × 39,225 = $4,707.00 22% × 6,375 = $1,402.50 Total federal income tax: $7,389.50. That's about 9.9% of gross income and about 12.7% of taxable income. This excludes FICA, state tax, credits, and other deductions. Check the percentages with the Percentage Calculator.
Marginal vs effective rate
Your marginal rate is the rate on the next dollar of taxable income. In the example above, that is 22%, because $58,400 sits in the 22% band. Your effective rate is total tax ÷ income. Here, $7,389.50 ÷ $75,000 ≈ 9.9% of gross. People often hear "you're in the 22% bracket" and think the whole paycheck is taxed at 22%. It isn't. Only the slice above $52,025 is.
What to do with this now
If you're planning 2027 withholding, HSA/FSA elections, or year-end bonuses, use these thresholds, not 2026's. Convert an offer letter with Salary to Hourly or Hourly to Annual Salary before you sketch tax. For broader US tax context, see the US tax calculator guide. This page is general information, not tax advice. For filings and planning that affects real money, talk to a tax professional and verify figures on irs.gov.
Sources
Figures from IRS news release IR-2026-133 and Rev. Proc. 2026-35 (Nov 5, 2026). Inflation-adjustment commentary referenced from NerdWallet. Recheck irs.gov before you rely on any number.
FAQ
What is the 2027 standard deduction?
Single or married filing separately: $16,600. Head of household: $24,925. Married filing jointly: $33,200.
When do the 2027 brackets apply?
To income earned in 2027, on returns filed in 2028. Returns filed in early 2027 still use 2026 numbers.
Did the tax rates change?
No. The rates stayed 10% through 37%. Only the dollar thresholds and related inflation-adjusted amounts moved.
Is this tax advice?
No. This is general information for education. Confirm numbers on irs.gov and get advice for your situation from a qualified professional.