Projected 2027 Tax Brackets and Standard Deduction by Filing Status

Projected 2027 Tax Brackets by Filing Status

Thomson Reuters Checkpoint projects seven 2027 tax brackets for each filing status, taxed at 10%, 12%, 22%, 24%, 32%, 35%, and 37%. The dollar ranges apply to taxable income, which is your income after the standard deduction.

Single filers: - 10%: $0 to $12,800 - 12%: $12,800 to $52,025 - 22%: $52,025 to $109,125 - 24%: $109,125 to $208,325 - 32%: $208,325 to $264,550 - 35%: $264,550 to $661,375 - 37%: over $661,375

Married filing jointly and surviving spouses: - 10%: $0 to $25,600 - 12%: $25,600 to $104,050 - 22%: $104,050 to $218,250 - 24%: $218,250 to $416,650 - 32%: $416,650 to $529,100 - 35%: $529,100 to $793,650 - 37%: over $793,650

Head of household: - 10%: $0 to $18,250 - 12%: $18,250 to $69,650 - 22%: $69,650 to $109,100 - 24%: $109,100 to $208,300 - 32%: $208,300 to $264,550 - 35%: $264,550 to $661,350 - 37%: over $661,350

The joint thresholds are exactly double the single thresholds from the 10% bracket through the 32% bracket. For example, $12,800 times 2 is $25,600, and $264,550 times 2 is $529,100. The 37% bracket breaks that pattern: it starts at $793,650 for joint filers, far below double the single threshold of $661,375, which would be $1,322,750.

Head of household filers get wider low brackets than single filers. Their 10% bracket runs $5,450 higher ($18,250 versus $12,800), and their 12% bracket runs $17,625 higher ($69,650 versus $52,025). From the 24% bracket up, the two schedules nearly match, and the 37% threshold differs by only $25.

Projected 2027 Standard Deduction

Thomson Reuters Checkpoint projects a 2027 standard deduction of $16,600 for single filers and $33,200 for married couples filing jointly. Each projected amount sits $500 to $1,000 above the IRS's 2026 figure.

• Married filing jointly and surviving spouses: $33,200 projected for 2027, up $1,000 from $32,200 in 2026
• Single: $16,600 projected, up $500 from $16,100
• Head of household: $24,900 projected, up $750 from $24,150
• Married filing separately: $16,600 projected, up $500 from $16,100

The standard deduction comes off your income before any bracket applies. A single filer with $70,000 in wages would have $53,400 of taxable income on the 2027 projection ($70,000 minus $16,600), compared with $53,900 under the 2026 figure ($70,000 minus $16,100).

At a 22% top rate, that extra $500 of deduction is worth $110 in tax ($500 times 22%). At a 12% top rate, it is worth $60.

Why the 2027 Tax Brackets Are Estimates

The 2027 tax brackets are estimates because, as of October 2, 2026, the IRS had not published its 2027 inflation adjustments on irs.gov. Thomson Reuters Checkpoint released its projections on September 11, 2026, and labels them as estimates calculated from public data.

Checkpoint based its math on Internal Revenue Code (IRC) section 1(f). It used 11 months of published Consumer Price Index (CPI) data, running from September 2025 through August 2026.

The October 2025 CPI reading was never published because of the 2025 government shutdown. The IRS's final 2027 numbers could differ from the projections. Checkpoint states the IRS will publish its figures later in 2026. The IRS has not announced a release date on the pages checked, and the 2026 adjustments came out in October 2025 in Revenue Procedure 2025-32.

How the Projected 2027 Tax Brackets Compare with 2026

The projected 2027 tax brackets use the same seven rates as the IRS's 2026 brackets, with every single and joint dollar threshold moved higher. The low-end thresholds rise about 3.2%.

Single filers, top of each bracket (2026 IRS figure, then 2027 projection): - 10%: $12,400 to $12,800, up $400 - 12%: $50,400 to $52,025, up $1,625 - 22%: $105,700 to $109,125, up $3,425 - 24%: $201,775 to $208,325, up $6,550 - 32%: $256,225 to $264,550, up $8,325 - 35%: $640,600 to $661,375, up $20,775

Married filing jointly, top of each bracket: - 10%: $24,800 to $25,600, up $800 - 12%: $100,800 to $104,050, up $3,250 - 22%: $211,400 to $218,250, up $6,850 - 24%: $403,550 to $416,650, up $13,100 - 32%: $512,450 to $529,100, up $16,650 - 35%: $768,700 to $793,650, up $24,950

For the 2026 head of household thresholds, see the IRS federal income tax rates and brackets page.

A Worked Example for a Single Filer Earning $70,000

A single filer with $70,000 in wages and only the standard deduction would owe $6,289.50 in federal income tax on the 2027 projections, $280.50 less than the $6,570 owed under the 2026 IRS figures.

The 2027 projection works out like this: - Taxable income: $70,000 minus the $16,600 standard deduction equals $53,400 - 10% on the first $12,800: $1,280 - 12% on the next $39,225 (from $12,800 to $52,025): $4,707 - 22% on the last $1,375 (from $52,025 to $53,400): $302.50 - Total: $6,289.50

Under the 2026 figures, the same $70,000 leaves $53,900 of taxable income after the $16,100 standard deduction, and the tax comes to $6,570. This filer's top bracket is 22% in both years. Only $1,375 of income is taxed at 22% on the projection, and the overall tax equals about 9% of the $70,000 in wages.

Treat the example as an illustration. It ignores tax credits, payroll taxes under the Federal Insurance Contributions Act (FICA), state income tax, and any income besides wages. It also assumes wages stay at $70,000 in both years.

How to Use Projected Numbers for Planning

Use the projected 2027 numbers for rough planning, then replace them with the IRS's figures once they are published.

• Budgeting: run your expected 2027 income through the projected brackets and standard deduction to get a ballpark federal tax bill.
• Withholding: compare that ballpark figure with what your paychecks will withhold, and plan a change if the gap is large.
• Estimated payments: if you pay tax on income without withholding, use the projected tax as a starting estimate and rerun it after the IRS releases the 2027 adjustments.

These projections do not serve anyone filing a return for the 2026 tax year, which includes returns filed in early 2027. For that return, use the 2026 brackets in Revenue Procedure 2025-32. The projections also give no 2027 figures for capital gains rates, 401(k) or IRA limits, or the FICA wage base, so plan those from published numbers only.

If a lower projected tax frees up cash, the retirement calculators and the pay off debt or invest guide can help you decide where it goes. Your next step is to run your own 2027 income through the projected 2027 tax brackets above, then rerun it on the IRS federal income tax rates and brackets page once 2027 figures appear there.

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