Home › Tax › 2027 federal brackets
Direct answer: The IRS hasn't published 2027 tax brackets yet (checked October 16, 2026); it usually does in late October or early November, and 2026's came October 9, 2025. Bloomberg Tax projects brackets rise 3.2% and a standard deduction of $33,200 joint and $16,600 single.
By the numbers: Projected 2027: brackets +3.2%, standard deduction $33,200 married filing jointly and $16,600 single (2026: $32,200 and $16,100). Source: Bloomberg Tax, September 11, 2026 (corrected September 22, 2026)
“Each fall, the IRS issues two documents detailing the results of these adjustments for the coming year.” — IRS, Inflation-adjusted tax items by tax year
Updated 2026-10-16
Not as of October 16, 2026. The 2026 brackets came out October 9, 2025 and the 2026 401(k) limits November 13, 2025.
Not published yet. Marsh (Mercer) projects $25,500, up from $24,500 in 2026.
No. Projections are private estimates from inflation data; the IRS's published figures are the ones that count.
To income earned in calendar year 2027, on the return you file in 2028.
Inflation data note: The Bureau of Labor Statistics did not publish an October 2025 Consumer Price Index because of the 2025 lapse in federal appropriations. (BLS CPI release archive). Bloomberg Tax says the C-CPI-U was computed on an 11-month average because BLS did not report October 2025 data.
The seven rates (10% to 37%) don't change; the income ranges move with inflation. Bloomberg Tax published projected ranges for married filing jointly and single filers; head of household and married filing separately aren't in its release.
| Rate | 2026 taxable income (IRS) | 2027 projected (Bloomberg Tax) |
|---|---|---|
| 10% | Not over $24,800 | Not over $25,600 |
| 12% | Over $24,800 to $100,800 | Over $25,600 to $104,050 |
| 22% | Over $100,800 to $211,400 | Over $104,050 to $218,250 |
| 24% | Over $211,400 to $403,550 | Over $218,250 to $416,650 |
| 32% | Over $403,550 to $512,450 | Over $416,650 to $529,100 |
| 35% | Over $512,450 to $768,700 | Over $529,100 to $793,650 |
| 37% | Over $768,700 | Over $793,650 |
| Rate | 2026 taxable income (IRS) | 2027 projected (Bloomberg Tax) |
|---|---|---|
| 10% | Not over $12,400 | Not over $12,800 |
| 12% | Over $12,400 to $50,400 | Over $12,800 to $52,025 |
| 22% | Over $50,400 to $105,700 | Over $52,025 to $109,125 |
| 24% | Over $105,700 to $201,775 | Over $109,125 to $208,325 |
| 32% | Over $201,775 to $256,225 | Over $208,325 to $264,550 |
| 35% | Over $256,225 to $640,600 | Over $264,550 to $661,375 |
| 37% | Over $640,600 | Over $661,375 |
Head of household and married filing separately: see the 2026 tables until the IRS publishes 2027.
| Filing status | 2026 (IRS) | 2027 projected (Bloomberg Tax) |
|---|---|---|
| Married filing jointly / surviving spouse | $32,200 | $33,200 |
| Single | $16,100 | $16,600 |
| Married filing separately | $16,100 | $16,600 |
| Head of household | $24,150 | — (no projection we could confirm) |
Not shown: Head of household standard deduction (the release prints '$24,925 ($24,950)', so we can't tell which figure is meant) and head of household and married-filing-separately brackets (not in the release).
| Limit | 2026 (IRS) | 2027 projected (Marsh/Mercer) |
|---|---|---|
| 401(k), 403(b), governmental 457 and TSP employee deferral | $24,500 | $25,500 |
| Catch-up, age 50+ | $8,000 | $8,500 |
| Higher catch-up, ages 60 to 63 | $11,250 | $11,750 |
| Total annual additions (employee + employer) | $72,000 | $75,000 |
| Compensation limit | $360,000 | $375,000 |
| Prior-year FICA wages above which catch-ups must be Roth | $150,000 | $155,000 |
IRA limit: $7,500 for 2026 (catch-up $1,100). No 2027 IRA projection we could confirm; the Marsh table covers workplace plans only.
Marsh/Mercer projection: Reflects final September 2026 CPI-U. Not in its table: IRA, HSA and SIMPLE limits.
Sources: IRS IR-2025-103 (2026 brackets, Oct. 9, 2025) · IRS IR-2025-111 (2026 retirement limits, Nov. 13, 2025) · IRS: inflation-adjusted tax items by year · Bloomberg Tax & Accounting, 2027 Projected U.S. Tax Rates (September 11, 2026, corrected September 22, 2026) · Marsh People and Investments (Mercer), Marsh projects 2027 retirement plan limits (updated) (October 15, 2026). Checked October 16, 2026.
Not tax advice. This page republishes IRS dollar amounts and rate tables only. It is not a filing tool, not personalized guidance, and not a substitute for IRS forms, Pub. 17, or a tax professional. We don't prepare returns or sell tax software.
Not as of October 16, 2026. The 2026 brackets came out October 9, 2025 and the 2026 401(k) limits November 13, 2025.
Not published yet. Marsh (Mercer) projects $25,500, up from $24,500 in 2026.
No. Projections are private estimates from inflation data; the IRS's published figures are the ones that count.
To income earned in calendar year 2027, on the return you file in 2028.
Not tax advice. Figures are republished from the IRS with dates; confirm with IRS.gov or a tax professional before acting.