2027 Tax & Retirement Limits.

Projected 2027 federal tax brackets, retirement contribution limits, and key financial numbers based on expected inflation adjustments.

Projected 2027 federal tax and retirement numbers based on expected inflation adjustments to 2026 figures. Use these for planning only — the IRS doesn't publish official 2027 numbers until late 2026. Every page clearly marks projections.

Use this hub when:

You're modeling a multi-year retirement contribution plan.
You're estimating 2027 take-home for a job offer or relocation.
You're a planner who needs forward-looking projections.

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2027 Federal Tax Brackets

Projected tax bracket tables for all filing statuses — Single, Married Filing Jointly, Head of Household. ~3% inflation adjustment from 2026 brackets.

7 brackets: 10% – 37% (projected)

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2027 Roth IRA Limits

Projected contribution limits and income phase-out ranges. The $7,000 base limit is likely to remain stable unless the IRS triggers a $500 increase.

$7,000 / $8,000 (50+) projected

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2027 401(k) Limits

Projected employee deferral limits, employer match maximums, and catch-up contributions with ~3% inflation adjustment from 2026.

~$24,000 / ~$31,500 (50+) projected

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2027 Standard Deduction

Projected standard deduction amounts by filing status, with annual inflation adjustment applied to 2026 confirmed figures.

~$15,400 Single / ~$30,800 MFJ projected

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2027 Capital Gains Tax Rates

Projected long-term capital gains brackets with inflation-adjusted income thresholds. Rates of 0%, 15%, 20%, and 3.8% NIIT are set by statute and will not change.

0% / 15% / 20% + 3.8% NIIT

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2027 HSA Contribution Limits

Projected HSA limits, HDHP minimum deductibles, and maximum out-of-pocket amounts with ~3% inflation adjustment from 2026.

~$4,400 Self / ~$8,800 Family projected

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2027 FICA Tax Rates

FICA tax rates are set by statute and will not change. The Social Security wage base is projected to increase ~3% from $176,100.

SS Wage Base: ~$181,500 projected

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2027 Social Security Benefits

Projected COLA adjustment, maximum benefits at ages 62/FRA/70, and earnings test thresholds for 2027.

~2.5% COLA projected

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2027 Medicare Premiums

Projected Part B standard premium, IRMAA surcharges by income, and Part A deductibles for 2027.

Part B: ~$190/mo standard projected

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2027 Estate & Gift Tax

Projected estate tax exemption and annual gift exclusion. Note: the TCJA exemption sunset may reduce these significantly post-2025 law changes.

~$14.4M exemption / ~$19,500 gift projected

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Frequently asked questions

Why are these projections — why not just wait?

Multi-year planning, especially around retirement contributions and Roth conversions, needs forward-looking numbers. We project using the same ~3% inflation factor the IRS has applied recently, then update to official figures within 7 days of the IRS release.

How accurate are these projections?

Historically within 1–2% of the final IRS figures when CPI inflation is in the 2–4% range. Larger inflation swings can push projections off by more; treat the numbers as planning estimates, not filing references.

When will the IRS publish official 2027 limits?

Typically October–November 2026 in a Revenue Procedure. We'll replace projected figures with official ones within 7 days and update the source links on every leaf page.

Should I make decisions based on these projections?

Use them for long-range planning, not for the next return you file. Time-sensitive decisions — a Q4 2026 Roth conversion, a year-end gifting strategy — should wait for official numbers unless the planning value clearly outweighs the projection risk.