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IRS 2027 release: not out yet (checked Oct 18)2027 Tax Brackets and Standard Deduction (IRS Official Numbers)
By The Trends Incoming team · Published Oct 18, 2026 · Last updated Oct 18, 2026
Short answer: the IRS hasn't released the 2027 brackets yet. As of October 18, 2026, the newest IRS news release is IR-2026-124 (Oct 16), and none of them cover 2027 brackets. The release is scheduled for October, so it can land any day. Until then, here are the official 2026 numbers next to clearly labeled 2027 projections, plus a calculator. We switch to the official IRS figures the day they drop.
| 2027 brackets and standard deduction | PROJECTED IRS release expected in October 2026 |
|---|---|
| Tax rates | 10%, 12%, 22%, 24%, 32%, 35%, 37% (permanent law, unchanged) |
| 2027 standard deduction, single | About $16,600 PROJECTED (2026: $16,100) |
| 2027 standard deduction, joint | About $33,200 PROJECTED (2026: $32,200) |
| 2027 standard deduction, head of household | About $24,900 PROJECTED (2026: $24,150) |
🧮 What bracket am I in? Quick calculator
Estimate only, not personal tax advice. It runs in your browser and nothing is sent anywhere. The 2027 option uses projected brackets until the IRS publishes the official ones.
📊 2026 vs 2027 tax brackets, side by side
2026 is official (IRS Rev. Proc. 2025-32). 2027 is projected (Thomson Reuters Checkpoint, September 11, 2026). Taxable income is income after deductions.
Single
| Rate | 2026 OFFICIAL IRS | 2027 PROJECTED |
|---|---|---|
| 10% | Up to $12,400 | Up to $12,800 |
| 12% | $12,400 to $50,400 | $12,800 to $52,025 |
| 22% | $50,400 to $105,700 | $52,025 to $109,125 |
| 24% | $105,700 to $201,775 | $109,125 to $208,325 |
| 32% | $201,775 to $256,225 | $208,325 to $264,550 |
| 35% | $256,225 to $640,600 | $264,550 to $661,375 |
| 37% | Over $640,600 | Over $661,375 |
Married filing jointly / surviving spouse
| Rate | 2026 OFFICIAL IRS | 2027 PROJECTED |
|---|---|---|
| 10% | Up to $24,800 | Up to $25,600 |
| 12% | $24,800 to $100,800 | $25,600 to $104,050 |
| 22% | $100,800 to $211,400 | $104,050 to $218,250 |
| 24% | $211,400 to $403,550 | $218,250 to $416,650 |
| 32% | $403,550 to $512,450 | $416,650 to $529,100 |
| 35% | $512,450 to $768,700 | $529,100 to $793,650 |
| 37% | Over $768,700 | Over $793,650 |
Head of household
| Rate | 2026 OFFICIAL IRS | 2027 PROJECTED |
|---|---|---|
| 10% | Up to $17,700 | Up to $18,250 |
| 12% | $17,700 to $67,450 | $18,250 to $69,650 |
| 22% | $67,450 to $105,700 | $69,650 to $109,100 |
| 24% | $105,700 to $201,750 | $109,100 to $208,300 |
| 32% | $201,750 to $256,200 | $208,300 to $264,550 |
| 35% | $256,200 to $640,600 | $264,550 to $661,350 |
| 37% | Over $640,600 | Over $661,350 |
Married filing separately
| Rate | 2026 OFFICIAL IRS | 2027 PROJECTED |
|---|---|---|
| 10% | Up to $12,400 | Up to $12,800 |
| 12% | $12,400 to $50,400 | $12,800 to $52,025 |
| 22% | $50,400 to $105,700 | $52,025 to $109,125 |
| 24% | $105,700 to $201,775 | $109,125 to $208,325 |
| 32% | $201,775 to $256,225 | $208,325 to $264,550 |
| 35% | $256,225 to $384,350 | $264,550 to $396,825 |
| 37% | Over $384,350 | Over $396,825 |
💵 Standard deduction: 2026 official vs 2027 projected
| Filing status | 2026 OFFICIAL IRS | 2027 PROJECTED |
|---|---|---|
| Single; married filing separately | $16,100 | $16,600 |
| Married filing jointly; surviving spouse | $32,200 | $33,200 |
| Head of household | $24,150 | $24,900 |
| Extra for age 65+ or blind, married | $1,650 | $1,700 |
| Extra for age 65+ or blind, unmarried | $2,050 | $2,100 |
Also new for 2025 through 2028: a separate senior deduction of up to $6,000 per person age 65 or older, phased down above $75,000 of modified AGI ($150,000 joint). It sits on top of the standard deduction above.
🔍 How the 2027 projection works
Brackets and the standard deduction are indexed to inflation by law (Internal Revenue Code section 1(f)). The IRS compares the chained consumer price index (C-CPI-U) for the 12 months ending August 31 with a base year, then rounds each increase down to the next $50 ($25 for single and married filing separately brackets). Thomson Reuters and Wolters Kluwer ran that formula on BLS data from September 2025 through August 2026. One wrinkle: BLS never published an October 2025 CPI because of the 2025 government shutdown, so they used 11 months. The IRS could handle that month differently, which is exactly why these are labeled projected. Expect any differences to be small, usually a few hundred dollars at the thresholds.
🧾 Worked example (2026, official)
A single filer with $60,000 of taxable income in 2026 pays 10% on the first $12,400 ($1,240), 12% on the next $38,000 ($4,560) and 22% on the last $9,600 ($2,112). Total: $7,912 before credits. That matches the IRS table: $5,800 plus 22% of the amount over $50,400. Top bracket 22%, average rate about 13.2%.
📅 When the official 2027 numbers land
- Brackets and standard deduction: IRS revenue procedure scheduled for October 2026 (legal deadline December 15).
- 401(k) and IRA limits: IRS notice scheduled for November 2026. See our 401(k) and IRA limits page.
- HSA limits: already official at $4,500 and $9,000. See HSA limits 2027.
- Mileage rate: IRS notice scheduled for December 2026. See IRS mileage rate 2027.
Quick answers
What are the 2027 tax brackets?
The IRS has not published them yet (checked October 18, 2026). The seven rates stay 10%, 12%, 22%, 24%, 32%, 35% and 37% because they are permanent law. Projected 2027 thresholds from Thomson Reuters put the 10% bracket at up to $12,800 for single filers and $25,600 for joint filers, and the 37% rate above $661,375 single and $793,650 joint. These are estimates until the IRS release.
What is the standard deduction for 2027?
Not official yet. Projections from Thomson Reuters and Wolters Kluwer put it at $16,600 for single filers and married filing separately, $33,200 for married filing jointly and $24,900 for head of household. The official 2026 amounts are $16,100, $32,200 and $24,150.
When will the IRS announce the 2027 tax brackets?
The IRS 2026 to 2027 guidance plan lists the 2027 inflation revenue procedure for October 2026. Last year's came out October 9, 2025. The law requires the tables by December 15. We update this page the day the IRS posts them.
What are the 2027 tax brackets for married filing jointly?
Projected, not official: 10% up to $25,600; 12% to $104,050; 22% to $218,250; 24% to $416,650; 32% to $529,100; 35% to $793,650; 37% above that. The official 2026 joint brackets are in the table on this page.
Do the 2026 or 2027 brackets apply to the return I file in 2027?
The 2026 brackets. The IRS says the tax year 2026 amounts generally apply to returns filed in 2027. The 2027 brackets apply to returns filed in 2028.
Does moving into a higher bracket mean all my income is taxed at that rate?
No. Each rate applies only to the slice of taxable income inside its range. That's why your average rate is always lower than your top bracket.
Related on Trends Incoming
- Social Security 2027: 3.6% COLA calculator and payment dates
- Medicare open enrollment 2027 (Oct 15 to Dec 7)
- HealthCare.gov open enrollment 2027 (Nov 1 to Jan 15)
- Retirement and Social Security trends
Sources
- IRS Rev. Proc. 2025-32: 2026 inflation adjustments (tax tables, standard deduction)
- IRS IR-2025-103: tax year 2026 inflation adjustments (Oct 9, 2025)
- IRS 2026 to 2027 priority guidance plan (lists the 2027 inflation revenue procedure for October 2026)
- IRS newsroom: news releases for the current month
- Thomson Reuters Checkpoint: projected 2027 figures (Sep 11, 2026, estimates, not IRS)
- Wolters Kluwer: projected 2027 federal tax brackets (estimates, not IRS)
By The Trends Incoming team · Fact-checked 2026-10-18. Dates change, so double-check with the official source.