2027 tax brackets calculator: your tax in 2027 vs 2026
Updated November 9, 2026 · Official IRS figures, Revenue Procedure 2026-35 (Nov 5, 2026)
The IRS raised the 2027 bracket thresholds about 3.2% and the standard deduction to $16,600 for single filers and $33,200 for married couples. On the same income, most people owe a little less: a single filer earning $75,000 pays about $281 less than in 2026.
Calculate your 2027 federal income tax
Same income, 2026 vs 2027
| Filer and income | 2026 tax | 2027 tax | Change | Bracket |
|---|---|---|---|---|
| Single, $40,000 | $2,620 | $2,552 | $68 less | 12% |
| Single, $75,000 | $7,670 | $7,390 | $281 less | 22% |
| Single, $120,000 | $17,570 | $17,290 | $281 less | 22% |
| Head of household, $60,000 | $3,948 | $3,844 | $104 less | 12% |
| Married filing jointly, $100,000 | $7,640 | $7,504 | $136 less | 12% |
| Married filing jointly, $180,000 | $21,940 | $21,379 | $561 less | 22% |
Standard deduction, ordinary income, before credits.
2027 federal income tax brackets
Single
| Rate | 2027 taxable income |
|---|---|
| 10% | $0 – $12,800 |
| 12% | $12,801 – $52,025 |
| 22% | $52,026 – $109,125 |
| 24% | $109,126 – $208,325 |
| 32% | $208,326 – $264,550 |
| 35% | $264,551 – $661,375 |
| 37% | Over $661,375 |
Married filing jointly
| Rate | 2027 taxable income |
|---|---|
| 10% | $0 – $25,600 |
| 12% | $25,601 – $104,050 |
| 22% | $104,051 – $218,250 |
| 24% | $218,251 – $416,650 |
| 32% | $416,651 – $529,100 |
| 35% | $529,101 – $793,650 |
| 37% | Over $793,650 |
Married filing separately
| Rate | 2027 taxable income |
|---|---|
| 10% | $0 – $12,800 |
| 12% | $12,801 – $52,025 |
| 22% | $52,026 – $109,125 |
| 24% | $109,126 – $208,325 |
| 32% | $208,326 – $264,550 |
| 35% | $264,551 – $396,825 |
| 37% | Over $396,825 |
Head of household
| Rate | 2027 taxable income |
|---|---|
| 10% | $0 – $18,250 |
| 12% | $18,251 – $69,650 |
| 22% | $69,651 – $109,100 |
| 24% | $109,101 – $208,300 |
| 32% | $208,301 – $264,550 |
| 35% | $264,551 – $661,350 |
| 37% | Over $661,350 |
2026 vs 2027 brackets for single filers
| Rate | 2026 | 2027 |
|---|---|---|
| 10% | up to $12,400 | up to $12,800 |
| 12% | up to $50,400 | up to $52,025 |
| 22% | up to $105,700 | up to $109,125 |
| 24% | up to $201,775 | up to $208,325 |
| 32% | up to $256,225 | up to $264,550 |
| 35% | up to $640,600 | up to $661,375 |
| 37% | over $640,600 | over $661,375 |
2026 vs 2027 brackets for married couples filing jointly
| Rate | 2026 | 2027 |
|---|---|---|
| 10% | up to $24,800 | up to $25,600 |
| 12% | up to $100,800 | up to $104,050 |
| 22% | up to $211,400 | up to $218,250 |
| 24% | up to $403,550 | up to $416,650 |
| 32% | up to $512,450 | up to $529,100 |
| 35% | up to $768,700 | up to $793,650 |
| 37% | over $768,700 | over $793,650 |
Standard deduction
| Filing status | 2026 | 2027 | Extra if 65+ or blind (2027) |
|---|---|---|---|
| Single | $16,100 | $16,600 | +$2,100 |
| Married filing jointly | $32,200 | $33,200 | +$1,700 per person |
| Married filing separately | $16,100 | $16,600 | +$1,700 per person |
| Head of household | $24,150 | $24,925 | +$2,100 |
Other 2027 tax numbers
| Child tax credit | Up to $2,300 per child ($1,800 refundable) |
|---|---|
| Earned income tax credit, 3+ children | Up to $8,496 |
| Senior deduction (2025–2028) | Up to $6,000 per person 65+ |
| Health FSA contribution limit | $3,500 |
| Annual gift tax exclusion | $20,000 per recipient |
| Estate tax exclusion | $15,480,000 |
| 0% long-term capital gains rate | Up to $51,050 single, $102,100 joint, $68,350 head of household |
Questions people ask
What are the 2027 tax brackets?
The seven rates stay the same: 10%, 12%, 22%, 24%, 32%, 35% and 37%. For single filers, 10% applies up to $12,800 of taxable income, 12% up to $52,025, 22% up to $109,125, 24% up to $208,325, 32% up to $264,550, 35% up to $661,375 and 37% above that.
What is the 2027 standard deduction?
$16,600 for single filers and married filing separately, $33,200 for married couples filing jointly and $24,925 for heads of household.
When do the 2027 brackets apply?
To income you earn in 2027, on the return you file in early 2028. The return you file in 2027 uses the 2026 brackets, which this calculator also shows.
Will I pay less tax in 2027?
If your income stays the same, usually a little less, because the brackets and standard deduction rise about 3.2% for inflation. A single filer earning $75,000 pays about $281 less. If your pay rises with inflation, your tax stays about the same.
Is there an extra deduction for seniors?
Yes. People 65 and older get an additional standard deduction ($2,100 single or head of household, $1,700 per person if married) and, for 2025 through 2028, a separate senior deduction of up to $6,000 per person. The senior deduction shrinks by 6% of income above $75,000 ($150,000 joint). Married couples filing separately can't take it.
What is the 2027 child tax credit?
Up to $2,300 per qualifying child, with up to $1,800 refundable.
Sources
- IRS IR-2026-133: tax year 2027 inflation adjustments (Nov 5, 2026)
- NerdWallet: 2026 and 2027 brackets for all filing statuses
- Thomson Reuters Checkpoint: 2027 additional standard deduction, capital gains and senior deduction
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