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2027 Tax, Retirement & Calendars.

Find the 2027 number or date you need. Each guide distinguishes confirmed rules, agency estimates, and planning projections.
Compare: 2026 Official Limits 2027 Reference

2027 reference library

Choose Your 2027 Reference

Start with the main table, follow a worked example, or download a calendar. Status labels show which figures are final and which may change.

2027 Federal Tax Brackets
Projection
Projected marginal income tax bracket thresholds across Single, Married Filing Jointly, Head of Household, and Married Filing Separately.
7 brackets: 10% – 37% (projected)
2027 Roth IRA Limits
Projection
Projected IRA contribution caps, age 50+ catch-up additions, and MAGI phase-out ranges for direct Roth contributions.
~$7,500 / ~$8,600 (50+) projected
2027 401(k) Limits
Projection
Projected employee elective deferrals, age 50+ catch-up, SECURE 2.0 super catch-up (ages 60–63), and Section 415(c) additions.
~$25,000 / ~$33,000 (50+) projected
2027 Standard Deduction
Projection
Projected baseline deductions by filing status, age/blind add-ons, and the separate enacted senior deduction of up to $6,000 per eligible person.
~$16,600 Single / ~$33,200 MFJ projected
2027 Capital Gains Tax Rates
Projection
Projected long-term capital gains 0%, 15%, and 20% income bracket thresholds plus statutory 3.8% Net Investment Income Tax (NIIT).
0% / 15% / 20% + 3.8% NIIT
2027 HSA Contribution Limits
Confirmed
Official Health Savings Account annual contribution limits, High Deductible Health Plan (HDHP) minimum deductibles, and out-of-pocket maximums.
$4,500 Self / $9,000 Family — confirmed
2027 FICA Tax Rates
Official estimate
Statutory Social Security (6.2%) and Medicare (1.45%) payroll tax rates, projected OASDI wage base ceiling, and Additional Medicare Tax.
SS Wage Base: $190,200 SSA estimate
2027 Social Security Benefits
Projection
Agency COLA assumptions, increases to existing checks, claiming-age examples, and retirement earnings-test estimates.
2.7% SSA assumption • separate 2.8% scenario
2027 Medicare Premiums
Official estimate
Projected Part B standard monthly premium, IRMAA income surcharges (Tiers 1–5), Part B deductible, and Part A hospital deductibles.
Part B: $209.50 CMS Trustees’ estimate
2027 Estate & Gift Tax
Projection
Projected unified lifetime estate/GST basic exclusion amount ($15M+ single / $30M+ couple) and annual gift tax exclusion under permanent OBBBA law.
~$15.45M exemption / ~$20,000 gift projected
2027 Federal Holidays
Calendar confirmed
Statutory dates, federal observances, bank and exchange closures, plus December 31’s observance of New Year’s Day 2028.
11 holiday names • 12 OPM dates in 2027
2027 Payroll Calendar
Calendar confirmed
Pay-period counts for all frequencies, the 27-paycheck Friday anomaly, deduction holidays, and ACH direct deposit holiday cutoffs.
26 or 27 biweekly • 24 semimonthly
2027 Biweekly Pay Dates
Calendar confirmed
Complete Friday-by-Friday pay date schedules for Schedule A (Jan 1 anchor) and Schedule B (Jan 8 anchor), plus 3-paycheck month planning.
Confirmed calendar — not projected
Read the status before using a figure

Confirmed rules, agency estimates, and editorial scenarios are different. HSA limits and calendar dates are already published. Other references combine enacted rules with estimates pending the final IRS, SSA, or CMS release. Check the source and assumptions on the linked guide.

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The income tax calculator currently uses 2026 rules. These 2027 reference tables do not switch it to projected 2027 brackets.

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New for 2027

Saver’s Match: up to $1,000 added to retirement savings

Starting with 2027 contributions, eligible savers can receive a federal match worth up to 50% of qualifying traditional or Roth IRA and employer-plan contributions, capped at $1,000 per person. Claim it on the 2027 federal return filed in 2028 using Form 8880-A; it replaces the Saver’s Credit.

How much?50% maximum match rate; $1,000 per-person maximum.
When claimed?On the 2027 tax return filed in 2028.
Who qualifies?Generally age 18 by year-end, not a full-time student, not a dependent, and within the MAGI bands below.
2027 Saver’s Match MAGI BandsIRS Saver’s Match guidance
2027 Saver’s Match income bands by filing status
Filing statusFull match up toPartial matchNo match from
Married Filing Jointly / qualifying surviving spouse$41,000$41,001–$70,999$71,000
Head of Household$30,750$30,751–$53,249$53,250
Single / Married Filing Separately$20,500$20,501–$35,499$35,500

Source: IRS Saver’s Match guidance.

Frequently Asked Questions

Why are these 2027 limits projections rather than official IRS releases?

Multi-year planning, retirement contribution modeling, and multi-year tax strategies require forward-looking figures before the IRS publishes official inflation adjustments in October/November 2026.

How accurate are these 2027 economic and tax projections?

The projections illustrate stated planning assumptions. They are not confidence intervals or guaranteed forecasts. Actual inflation, indexing windows, statutory relationships and rounding can produce different final amounts; we do not claim a historical accuracy percentage.

When will the IRS and SSA publish official 2027 numbers?

The SSA announces the official Social Security COLA in mid-October, and the IRS releases official tax brackets and retirement contribution limits in late October or November in an annual Revenue Procedure. HSA limits are the exception — the IRS confirms those earlier, typically in April or May (2027's were announced May 29, 2026).

Should I make permanent financial decisions based on these projections?

Use these projections for multi-year cash flow forecasting and retirement modeling. For immediate filing or irreversible year-end transactions, verify confirmed official limits.

Keep planning

Use projections for direction—and confirmed limits for filing.

Each guide lists its source, verification date, assumptions, and expected agency release. Confirm the applicable year and final figures before filing or changing a contribution.