2027 Tax Bracket CalculatorFederal income tax brackets 2027: find your bracket, your tax and your effective rate
Enter your income and filing status to see which 2027 tax bracket you’re in, how much federal income tax you’ll owe, and exactly how each dollar is taxed, compared side by side with the 2026 brackets you’ll file with next spring.
Built and fact-checked by Manzoor AhmadUpdated October 14, 2026
Deductions and ageStandard deduction
Investment incomeNone
Your 2027 federal income tax
Single filer, projected 2027 brackets.
How your income fills each bracket
Each rate only applies to the slice of income inside its band.
From income to tax, step by step
The same order as Form 1040.
What if you earn more?
See what a raise, bonus or Roth conversion really costs in tax.
Same income, 2026 vs 2027
Brackets rise with inflation, so the same pay is taxed a little less.
| Tax year | Standard deduction | Taxable income | Bracket | Federal tax | Effective rate |
|---|
What this means for you
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What are the 2027 tax brackets?
The 2027 federal tax brackets are 10%, 12%, 22%, 24%, 32%, 35% and 37%. For a single filer, the 10% rate covers taxable income up to $12,800, 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% applies above that. Married couples filing jointly get roughly double each threshold, and the standard deduction rises to $16,600 single and $33,200 joint (projected; the IRS publishes the official figures in late October or November 2026).
A tax bracket is a band of taxable income that’s taxed at one rate. The United States uses a progressive system, so your income is split into slices: the first slice is taxed at 10%, the next at 12%, and so on. Your “tax bracket” is simply the highest rate any of your income reaches. This 2027 tax bracket calculator shows every slice, so you can see why your effective tax rate is always lower than your bracket.
On this page
2027 federal income tax brackets
These are the projected 2027 tax brackets. They apply to income earned from January 1 to December 31, 2027, reported on the return you file in early 2028. The amounts are taxable income, after deductions. They match the independent projections published by Bloomberg Tax, Wolters Kluwer and Thomson Reuters, which use the same inflation formula as the IRS.
| Tax rate | Single | Married filing jointly | Head of household | Married filing separately |
|---|---|---|---|---|
| 10% | $0 to $12,800 | $0 to $25,600 | $0 to $18,250 | $0 to $12,800 |
| 12% | $12,801 to $52,025 | $25,601 to $104,050 | $18,251 to $69,650 | $12,801 to $52,025 |
| 22% | $52,026 to $109,125 | $104,051 to $218,250 | $69,651 to $109,100 | $52,026 to $109,125 |
| 24% | $109,126 to $208,325 | $218,251 to $416,650 | $109,101 to $208,300 | $109,126 to $208,325 |
| 32% | $208,326 to $264,550 | $416,651 to $529,100 | $208,301 to $264,550 | $208,326 to $264,550 |
| 35% | $264,551 to $661,375 | $529,101 to $793,650 | $264,551 to $661,350 | $264,551 to $396,825 |
| 37% | Over $661,375 | Over $793,650 | Over $661,350 | Over $396,825 |
Why these are projections: the IRS sets the 2027 brackets with a fixed formula, using chained CPI inflation for the 12 months through August 2026, so independent projections are rarely off by more than $25 to $50. The one figure where forecasters differ is the head of household standard deduction, projected at $24,900 to $24,950. This page will switch to the official numbers as soon as the IRS publishes its 2027 Revenue Procedure.
2027 standard deduction
The standard deduction is the amount of income you can earn before any federal income tax applies. Most households take it instead of itemizing. For 2027 it rises to $16,600 for single filers and $33,200 for married couples filing jointly.
| Filing status | 2026 (official) | 2027 (projected) | Change |
|---|---|---|---|
| Single | $16,100 | $16,600 | +$500 |
| Married filing jointly | $32,200 | $33,200 | +$1,000 |
| Head of household | $24,150 | $24,900 | +$750 |
| Married filing separately | $16,100 | $16,600 | +$500 |
If you are 65 or older, or blind, your standard deduction is higher. For 2027, each qualifying condition adds $1,700 for married people and $2,100 for single or head of household filers (2026: $1,650 and $2,050). On top of that, the new senior deduction lets each person 65 or older deduct up to $6,000 more from 2025 through 2028, reduced by 6% of modified AGI above $75,000, or $150,000 for joint filers. The calculator adds both when you mark someone as 65 or older.
2026 tax brackets (for returns filed in 2027)
If you’re preparing the tax return you’ll file between January and April 2027, you need the 2026 brackets below, not the 2027 ones. These are the official figures from IRS Revenue Procedure 2025-32. Switch the calculator to 2026 to estimate that return.
| Tax rate | Single | Married filing jointly | Head of household | Married filing separately |
|---|---|---|---|---|
| 10% | $0 to $12,400 | $0 to $24,800 | $0 to $17,700 | $0 to $12,400 |
| 12% | $12,401 to $50,400 | $24,801 to $100,800 | $17,701 to $67,450 | $12,401 to $50,400 |
| 22% | $50,401 to $105,700 | $100,801 to $211,400 | $67,451 to $105,700 | $50,401 to $105,700 |
| 24% | $105,701 to $201,775 | $211,401 to $403,550 | $105,701 to $201,750 | $105,701 to $201,775 |
| 32% | $201,776 to $256,225 | $403,551 to $512,450 | $201,751 to $256,200 | $201,776 to $256,225 |
| 35% | $256,226 to $640,600 | $512,451 to $768,700 | $256,201 to $640,600 | $256,226 to $384,350 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 | Over $384,350 |
How tax brackets work
Moving into a higher bracket never makes you worse off. Only the dollars above each threshold are taxed at the higher rate; everything below keeps its lower rate. Here’s how the calculation runs for a typical single filer in 2027:
- Income: $85,000 of salary, with $6,000 going into a traditional 401(k). Adjusted gross income is $79,000.
- Taxable income: $79,000 minus the $16,600 standard deduction leaves $62,400.
- 10% slice: the first $12,800 is taxed at 10%, which is $1,280.
- 12% slice: the next $39,225 (up to $52,025) is taxed at 12%, which is $4,707.
- 22% slice: the remaining $10,375 is taxed at 22%, which is $2,282.
- Total: $8,270 of federal income tax. The bracket is 22%, but the effective rate is only 9.7% of the $85,000 earned.
- Versus 2026: the same pay would cost $8,550 under the 2026 brackets, so the inflation adjustment saves this filer about $280.
Adjusted gross income total income − pre-tax contributions
Taxable income AGI − standard (or itemized) deduction − senior deduction
Tax sum of (income in each bracket × that bracket's rate)
Effective rate total tax ÷ total income
Marginal vs effective tax rate
The rate on your next dollar of income. It tells you what a raise, overtime, a bonus or a Roth conversion will cost in tax, and how much a 401(k) contribution saves.
Your total tax divided by your total income. It’s what you actually pay overall, and it’s always lower than your bracket because the first slices of income are taxed at 0%, 10% and 12%.
In the example above, the filer is in the 22% bracket but pays 9.7% of their income in federal income tax. A raise of $1,000 would cost $220 in extra tax, not 22% of everything they earn. Your take-home pay never falls because you earned more; that common fear comes from mixing up these two rates.
2027 capital gains tax brackets
Long-term capital gains and qualified dividends have their own three rates: 0%, 15% and 20%. They sit on top of your ordinary taxable income, so your salary decides how much of your gain falls into the 0% band. The calculator handles this stacking for you.
| Rate | Single | Married filing jointly | Head of household | Married filing separately |
|---|---|---|---|---|
| 0% | $0 to $51,050 | $0 to $102,100 | $0 to $68,350 | $0 to $51,050 |
| 15% | $51,051 to $563,200 | $102,101 to $633,600 | $68,351 to $598,400 | $51,051 to $316,800 |
| 20% | Over $563,200 | Over $633,600 | Over $598,400 | Over $316,800 |
Higher earners may also owe the 3.8% net investment income tax on investment income above $200,000 (single) or $250,000 (joint) of modified AGI; it isn’t included in this calculator.
What changed for 2027
- The seven rates are permanent. The One Big Beautiful Bill Act, signed in July 2025, made the 10%, 12%, 22%, 24%, 32%, 35% and 37% rates permanent, so they did not revert to the older, higher rates after 2025.
- Every threshold rises about 3.2%. The IRS adjusts brackets each year using the chained consumer price index. For 2027 that adjustment is about 3.2%, based on inflation data through August 2026; the October 2025 price index was never published, so forecasters averaged 11 months of data.
- Lower brackets get a slightly bigger lift. Since 2026, the 10% and 12% bracket ceilings are indexed from an earlier base year, which pushes them up a little more than the higher brackets.
- The senior deduction continues. People 65 and older can deduct an extra $6,000 each from 2025 through 2028, on top of the regular extra standard deduction for age. It shrinks by 6% of modified AGI above $75,000 ($150,000 for joint filers).
- New deductions for tips, overtime and car loan interest also run from 2025 through 2028. They reduce taxable income but have their own limits; subtract any you qualify for from your income before using the calculator.
How to lower your tax bracket
- Max out pre-tax retirement accounts. Every dollar into a traditional 401(k), 403(b) or deductible IRA comes off the top of your income, so it saves tax at your marginal rate.
- Use an HSA. Health savings account contributions are deductible, grow tax-free and come out tax-free for medical costs.
- Bunch deductions. If you’re close to the standard deduction, group two years of charitable gifts into one year and itemize, then take the standard deduction the next year.
- Time income. Bonuses, capital gains and Roth conversions can often be split across tax years so they don’t push you into the next bracket.
- Harvest losses. Investment losses offset gains and up to $3,000 of ordinary income each year.
- Fill the 0% capital gains band. In a low-income year, you can sell appreciated investments and pay 0% on gains up to the threshold.
Not sure what your pay works out to over a year? Convert it first with our hourly to salary calculator, then plan what’s left after tax with the 50 30 20 calculator.
When does the IRS release the 2027 tax brackets?
The IRS usually publishes the next year’s tax brackets in a Revenue Procedure in October or November. The 2026 brackets came out on October 9, 2025 (Revenue Procedure 2025-32). For 2027, the release is expected in late October or November 2026; the inflation data it relies on is already final, which is why the projections on this page are reliable. Remember that the 2027 brackets are for income you earn in 2027. The return you file in spring 2027 uses the 2026 brackets.
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Plan the rest of your money with these free DexoCalc tools.
2027 tax bracket FAQs
The 2027 federal income tax rates are 10%, 12%, 22%, 24%, 32%, 35% and 37%. For single filers, the 10% bracket covers taxable income up to $12,800, 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% applies above that (projected).
For married couples filing jointly in 2027: 10% up to $25,600, 12% up to $104,050, 22% up to $218,250, 24% up to $416,650, 32% up to $529,100, 35% up to $793,650, and 37% above $793,650 of taxable income.
The 2027 standard deduction is $16,600 for single filers and married people filing separately, $33,200 for married couples filing jointly and $24,900 for heads of household (projected). People 65 or older add $1,700 each if married or $2,100 if single.
Subtract your deductions from your income to get taxable income, then find the highest bracket that taxable income reaches for your filing status. That rate is your tax bracket, or marginal rate. The calculator does this for you and shows how much income falls in each bracket.
No. Only the income above the bracket threshold is taxed at the higher rate. A $1,000 raise in the 22% bracket costs $220 in federal income tax, so you keep $780 of it.
Your marginal rate is the tax rate on your next dollar of income, which is your bracket. Your effective rate is your total tax divided by your total income. Because lower slices of income are taxed at 10% and 12%, the effective rate is always lower than the bracket.
A single filer earning $100,000 in wages with no other deductions has $83,400 of taxable income after the $16,600 standard deduction, owes about $12,890 in federal income tax and is in the 22% bracket, an effective rate of 12.9%.
A married couple filing jointly with $150,000 of wages and the standard deduction has $116,800 of taxable income, owes about $14,779 in federal income tax and is in the 22% bracket, an effective rate of 9.9%.
The return you file between January and April 2027 covers income earned in 2026, so it uses the 2026 brackets and the $16,100 single or $32,200 joint standard deduction. The 2027 brackets apply to income you earn during 2027.
The IRS normally releases the following year’s brackets in October or November. The 2026 brackets were released on October 9, 2025, and the 2027 figures are expected in late October or November 2026.
Long-term capital gains and qualified dividends are taxed at 0% up to $51,050 of taxable income for single filers ($102,100 joint), 15% up to $563,200 ($633,600 joint), and 20% above that (projected).
It applies the IRS bracket method exactly, including the capital gains stacking rules, the extra standard deduction for age and the senior deduction, and it was checked against hand-calculated returns for every filing status. It covers federal income tax before credits; it does not include payroll, state or self-employment tax.
Manzoor Ahmad
Founder of DexoCalc, 13+ years of web development and SEO experience
Manzoor designs, codes and tests every DexoCalc calculator himself. For this tool he entered the official 2026 figures from IRS Revenue Procedure 2025-32, cross-checked the 2027 projections from Bloomberg Tax, Wolters Kluwer and Thomson Reuters against his own inflation math, and tested the results against hand-calculated returns for every filing status. Read more about Manzoor.
Sources and methodology
- Internal Revenue Service, Revenue Procedure 2025-32 (2026 inflation adjustments, including One Big Beautiful Bill Act amendments).
- Internal Revenue Service, Federal income tax rates and brackets and Topic 409, capital gains and losses.
- Internal Revenue Service, One Big Beautiful Bill provisions (senior deduction, tips, overtime and car loan interest).
- Bloomberg Tax 2027 projections, reported by Accounting Today, September 2026, and The Finance Buff 2027 bracket and capital gains projections.
- U.S. Bureau of Labor Statistics, Chained CPI for All Urban Consumers (C-CPI-U), the index used to adjust the brackets.
This 2027 tax bracket calculator estimates federal income tax for planning and is not tax advice. The 2027 figures are projections until the IRS publishes them; 2026 figures are official. It does not include tax credits, the alternative minimum tax, the net investment income tax, payroll, self-employment or state taxes. Not affiliated with or endorsed by the Internal Revenue Service.