Projected — not yet official
Federal Tax Brackets for 2027 (Projected)
The IRS has not announced 2027 tax brackets yet — that typically happens in October or November 2026. The thresholds below are a ustax.tools trend estimate, built by applying the actual 2025-to-2026 "normal" inflation-adjustment rate to the confirmed 2026 base. Clearly labeled PROJECTED throughout.
Want the confirmed 2026 brackets instead of a projection?
See the official 2026 federal tax brackets →2026 (confirmed) vs 2027 (projected): single & MFJ
The rate structure is unchanged; only the dollar thresholds move. 2026 columns are IRS-confirmed; 2027 columns are this page's projection.
| Rate | Single (2026, confirmed) | Single (2027, projected) | MFJ (2026, confirmed) | MFJ (2027, projected) |
|---|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $12,700 | $0 – $24,800 | $0 – $25,350 |
| 12% | $12,401 – $50,400 | $12,701 – $51,550 | $24,801 – $100,800 | $25,351 – $103,100 |
| 22% | $50,401 – $105,700 | $51,551 – $108,100 | $100,801 – $211,400 | $103,101 – $216,200 |
| 24% | $105,701 – $201,775 | $108,101 – $206,350 | $211,401 – $403,550 | $216,201 – $412,700 |
| 32% | $201,776 – $256,225 | $206,351 – $262,050 | $403,551 – $512,450 | $412,701 – $524,050 |
| 35% | $256,226 – $640,600 | $262,051 – $655,150 | $512,451 – $768,700 | $524,051 – $786,150 |
| 37% | Over $640,600 | Over $655,150 | Over $768,700 | Over $786,150 |
2026: IRS Rev. Proc. 2025-32 — confirmed. 2027: ustax.tools trend estimate (2.27% applied to the 2026 base, nearest $50) — PROJECTED, not official.
Projected 2027 brackets — every filing status
| Rate | Single | Married filing jointly | Married filing separately | Head of household |
|---|---|---|---|---|
| 10% | $0 – $12,700 | $0 – $25,350 | $0 – $12,700 | $0 – $18,100 |
| 12% | $12,701 – $51,550 | $25,351 – $103,100 | $12,701 – $51,550 | $18,101 – $69,000 |
| 22% | $51,551 – $108,100 | $103,101 – $216,200 | $51,551 – $108,100 | $69,001 – $108,100 |
| 24% | $108,101 – $206,350 | $216,201 – $412,700 | $108,101 – $206,350 | $108,101 – $206,350 |
| 32% | $206,351 – $262,050 | $412,701 – $524,050 | $206,351 – $262,050 | $206,351 – $262,000 |
| 35% | $262,051 – $655,150 | $524,051 – $786,150 | $262,051 – $393,050 | $262,001 – $655,150 |
| 37% | Over $655,150 | Over $786,150 | Over $393,050 | Over $655,150 |
All figures PROJECTED — ustax.tools trend estimate, not official IRS thresholds.
Why the 10% and 12% brackets aren't projected to jump again
From 2025 to 2026, the 10% and 12% brackets grew about 3.98% — nearly double the ~2.27% "normal" inflation adjustment the brackets above them saw. That wasn't ordinary indexing: OBBBA gave the 10% and 12% brackets an extra year of inflation indexing ahead of the 22% bracket, as a one-time structural change baked into the 2026 rollover. Nothing in the statute schedules a repeat of that catch-up for 2027, so this page projects the 10%/12% thresholds forward at the same "normal" rate as every other bracket — $12,700 for the 10% bracket's single-filer ceiling — rather than mechanically extrapolating the larger 2026 jump.
Methodology — how this projection was built
No third-party forecaster has published full 2027 bracket thresholds as of this writing (2026-08-02) — Bloomberg Tax's and Wolters Kluwer's annual "first look" reports are typically released in September, once more of the year's CPI data is out. Instead, ustax.tools applied a 2.27% growth rate — the actual 2025-to-2026 growth of the 24% bracket ceiling — uniformly to every 2026 threshold, rounded to the nearest $50. This is a trend continuation, not a chained-CPI-U calculation.
Where else 2027 brackets show up
This page's projected ordinary brackets feed the projected long-term capital gains breakpoints on the capital gains tax rates 2027 reference (LTCG breakpoints move in step with the 15%/37% ordinary breakpoints). For the confirmed, official 2026 numbers today, see the 2026 federal tax brackets reference.
Frequently asked questions
What are the tax brackets for 2027?
Not official yet. This page's projection keeps the same 10/12/22/24/32/35/37% structure as 2026, with the 24% bracket for single filers projected to start at $108,100, up from a confirmed $105,700 in 2026. All thresholds are a ustax.tools trend estimate, not an IRS-announced figure. The IRS typically announces official 2027 brackets around October-November 2026.
Is this page's 2027 tax bracket table official?
No — every threshold is a projection. The methodology: this page applies a 2.27% growth rate — the ACTUAL 2025-to-2026 growth of the 24% bracket ceiling, representative of ordinary annual inflation indexing — to every 2026 bracket threshold, rounded to the nearest $50. That is a trend continuation, not a chained-CPI-U calculation; the real 2027 thresholds depend on inflation data through August 2026 that does not exist yet.
Why didn't you project the 10% and 12% brackets using the 2026 growth rate they actually had?
Because that larger 2025-to-2026 jump (about 3.98% for those two brackets, versus about 2.27% for the brackets above them) was a ONE-TIME structural change, not an ongoing trend. OBBBA gave the 10% and 12% brackets an extra year of inflation indexing specifically as part of the 2026 rollover — nothing in the statute schedules a repeat of that catch-up for 2027. Projecting those two brackets forward at the same "normal" rate as every other bracket, rather than mechanically repeating the one-time 2026 jump, is the more defensible estimate.
What is the projected 37% top bracket threshold for 2027?
Projected at $655,150 for single filers and $786,150 for married filing jointly — up from the confirmed 2026 thresholds. This is the top of the seven-bracket TCJA/OBBBA rate schedule (10/12/22/24/32/35/37%), which OBBBA made permanent; only the dollar thresholds are projected here, not the rate structure itself.
Are these projected 2027 brackets based on taxable income or gross income?
Taxable income — gross income minus your standard or itemized deduction. The projected 2027 standard deduction (see the standard deduction 2027 reference) further raises the effective tax-free zone above these bracket floors. For comparison, the confirmed 2026 single-filer standard deduction is $16,100.
When will the official 2027 tax brackets be announced?
Typically October or November 2026, in the IRS's annual inflation-adjustment revenue procedure (the 2026 brackets came from Rev. Proc. 2025-32, released October 9, 2025). This page will be updated with the official thresholds — and its "projected" framing removed — as soon as that Rev. Proc. is published.
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