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USUS · 9 official · 14 projected · 2 pending

US Tax Numbers 2027

Tax brackets, retirement and health account limits, Social Security and Medicare for 2027 next to their 2026 values. Each number shows whether it is final, who projected it if not, and when the official figure is due. We update the table the day the IRS, SSA or CMS publishes.

By Artem Titarenko · Reviewed October 14, 2026 · Methodology

Where things stand

  • Final: the 3.6% Social Security COLA and $192,300 wage base (SSA, October 14), HSA limits (IRS, May) and ACA subsidy percentages.
  • Due in late October to November: the IRS revenue procedure with brackets, the standard deduction, FSA and estate figures, and the IRS notice with 401(k) and IRA limits.
  • Due in mid-November 2026: the Medicare Part B premium, deductible and IRMAA brackets from CMS.
  • Official published by the government agency
  • Projected estimate from the named source, replaced when the agency publishes
  • Pending legislated or due, but no final number yet

Income tax

Retirement accounts

Health

Social Security and Medicare

Estate and gift tax

Tax brackets 2027 (projected)

RateSingle 2026Single 2027Joint 2026Joint 2027
10%Up to $12,400Up to $12,800Up to $24,800Up to $25,600
12%$12,400 – $50,400$12,800 – $52,025$24,800 – $100,800$25,600 – $104,050
22%$50,400 – $105,700$52,025 – $109,125$100,800 – $211,400$104,050 – $218,250
24%$105,700 – $201,775$109,125 – $208,325$211,400 – $403,550$218,250 – $416,650
32%$201,775 – $256,225$208,325 – $264,550$403,550 – $512,450$416,650 – $529,100
35%$256,225 – $640,600$264,550 – $661,375$512,450 – $768,700$529,100 – $793,650
37%Over $640,600Over $661,375Over $768,700Over $793,650

Taxable income, after deductions. 2026: IRS Rev. Proc. 2025-32. 2027: Thomson Reuters Checkpoint projection of September 11, 2026, made with 11 months of CPI because October 2025 was never published.

Worked examples

Same salary, less tax. A single filer earning $80,000 with no other income takes the standard deduction. In 2026 taxable income is $63,900 and federal income tax is $8,770.00. In 2027, with the projected $16,600 deduction and wider brackets, taxable income is $63,400 and the tax is $8,489.50: $280.50 less, before any raise. Our income tax calculator still uses 2026 brackets.

Maximum 401(k) at 61. Someone turning 61 in 2027 could defer $25,500 plus the $11,750 age 60–63 catch-up, $37,250 in total, if the projections hold. High earners (prior-year wages from that employer above $150,000, a threshold that is indexed) must make the catch-up as Roth. Employer contributions count only toward the $75,000 overall limit.

How this table is maintained

  • Official numbers come only from the IRS, SSA, CMS, HHS or the statute itself.
  • Projections are named: Thomson Reuters Checkpoint for tax brackets and credits, Milliman for retirement plan limits, Mercer for FSAs, Evans Estate Law for estate and gift figures, and the Medicare Trustees for Part B.
  • Where forecasters disagree, as on the IRA limit, the row is pending and shows the possible values.
  • Each row is replaced by the official figure the day the agency publishes it.
  • Our calculators keep using 2026 numbers until the 2027 figures are final.

Frequently asked questions

What are the 2027 federal tax brackets?

The IRS has not published them yet; it released the 2026 figures on October 9, 2025, and the 2027 revenue procedure is expected in late October or November. Thomson Reuters Checkpoint projects the standard deduction at $16,600 single, $33,200 joint and $24,900 head of household, with the 12% bracket ending at $52,025 for single filers and the 37% rate starting at $661,375. The seven rates (10% to 37%) stay the same under the 2025 tax law.

What is the 401(k) limit for 2027?

Milliman projects $25,500, up $1,000, with an $8,500 catch-up at 50+ and $11,750 at ages 60 to 63. Milliman said the limit would stay at $25,000 only if September CPI rose less than 0.04%; it rose 0.6% (BLS, October 14, 2026), so $25,500 is very likely. The IRS announces the official limits in late October or November; last year it was November 13. The same limit applies to 403(b) and governmental 457(b) plans.

What is the IRA contribution limit for 2027?

Not known yet. It is $7,500 for 2026 and rises only in $500 steps, so 2027 will be either $7,500 or $8,000, and forecasters disagree on which. The IRS publishes it with the 401(k) limits. The catch-up for 50 and older, $1,100 in 2026, is also indexed.

What are the HSA limits for 2027?

$4,500 for self-only coverage and $9,000 for family coverage, plus $1,000 if you are 55 or older. These are final: the IRS published them in Rev. Proc. 2026-24 in May 2026. To contribute, your health plan's deductible must be at least $1,750 (self-only) or $3,500 (family).

How much will Social Security go up in 2027?

3.6%, announced on October 14, 2026, effective with the January 2027 payment. The average retired worker goes from $2,095 to $2,170 a month. Workers pay 6.2% Social Security tax on wages up to $192,300, up from $184,500.

How much will Medicare Part B cost in 2027?

CMS announces the 2027 premium in mid-November 2026. The 2026 Medicare Trustees Report projects $209.50 a month, up from $202.90, and a $292 deductible. The income brackets for IRMAA surcharges are indexed and will be published at the same time.

What is the estate tax exemption for 2027?

The 2025 tax law set it at $15,000,000 per person for 2026, indexed after that. Estate-planning attorney Dan Evans projects $15,470,000 for 2027, and the annual gift exclusion rising from $19,000 to $20,000 per recipient. The IRS confirms both in its inflation revenue procedure this fall.

Sources

General information, not tax advice. Projected and pending numbers can change; check the IRS before filing or contributing. Medicare Part B 2027 is a projected figure until CMS announces it.

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