2027 tax brackets are not official yet. As of September 26, 2026, the IRS has released 2027 HSA limits, while federal tax brackets, the standard deduction, 401(k) and IRA limits, the Social Security COLA, and full Medicare Part B and IRMAA costs are still pending.
The useful distinction right now is official vs. projected vs. not released. This tracker keeps those labels separate, so you can estimate a 2027 tax or savings decision without accidentally treating a projection like an IRS, SSA or CMS number.
What’s official for 2027, and what is still moving
2027 tax brackets and several other limits are still projections or pending. HSA limits and some Medicare Part D figures are official. Every number below carries a status label, source, and the decision it changes.
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2027 tax brackets: projected now, official IRS figures pending
The IRS has not published the official 2027 federal income tax brackets yet. Wolters Kluwer’s September 18 projection uses inflation data through August 2026. Because October 2025 CPI data is missing, the final IRS thresholds could differ. Treat the figures below as planning estimates, not filing numbers.
Projected 2027 standard deduction: $16,600 single or married filing separately, $33,200 married filing jointly, and $24,950 head of household.
| Rate | Single | Married filing jointly | Head of household | Married filing separately |
|---|---|---|---|---|
| 10% | $0 to $12,800 | $0 to $25,600 | $0 to $18,250 | $0 to $12,800 |
| 12% | $12,801 to $52,025 | $25,601 to $104,050 | $18,251 to $69,650 | $12,801 to $52,025 |
| 22% | $52,026 to $109,125 | $104,051 to $218,250 | $69,651 to $109,100 | $52,026 to $109,125 |
| 24% | $109,126 to $208,325 | $218,251 to $416,650 | $109,101 to $208,300 | $109,126 to $208,325 |
| 32% | $208,326 to $264,550 | $416,651 to $529,100 | $208,301 to $264,550 | $208,326 to $264,550 |
| 35% | $264,551 to $661,375 | $529,101 to $793,650 | $264,551 to $661,350 | $264,551 to $396,825 |
| 37% | Over $661,375 | Over $793,650 | Over $661,350 | Over $396,825 |
Projection source: Wolters Kluwer, September 18, 2026. The IRS is expected to publish official 2027 inflation-adjusted figures later this fall. This table will be replaced with the IRS release when it becomes official.
Which 2027 numbers are official already?
Three numbers are useful now. They answer different questions, so check the income year and whether the amount is a contribution limit, spending cap, or Medicare surcharge threshold.
2027 HSA contribution limits
$4,500 self / $9,000 family2026: $4,400 self / $8,750 family.
What it changes: Set a 2027 HSA payroll election if you remain eligible. Medicare enrollment generally stops new HSA contributions, even if you keep money already in the account.
2027 Part D covered-drug cap
$2,4002026: $2,100. The cap is $300 higher; that does not mean everyone pays $300 more.
What it changes: Compare your prescriptions, plan formulary, pharmacies, premium and likely annual total. The cap applies to covered Part D drugs.
2027 Part D IRMAA starting income
Above $111,000 / $222,000Individual / married joint; generally based on 2025 MAGI. Full 2027 surcharge amounts are pending.
What it changes: If your 2025 income crossed the line, watch for the full CMS premium table. The extra Part D amount is per beneficiary and sits on top of the plan premium.
Which 2027 numbers are still pending?
These rows become official only when the issuing agency publishes them. The expected windows are a planning watch, not a promised release date.
Social Security COLA and earnings test
Official 2027 figures pendingWhy watch: A COLA changes gross benefits. The earnings test matters if you work and collect before your full retirement age; the net check can also reflect Medicare deductions.
Tax brackets, deductions and capital gains
Official 2027 thresholds pendingWhy watch: Set a 2027 conversion or gain-harvesting range using taxable income, then check separate MAGI rules for the senior deduction and Medicare.
401(k), IRA, catch-up and QCD limits
Official 2027 limits pendingWhy watch: Change next year’s payroll election, IRA contribution plan or charitable IRA transfer only after the IRS publishes the applicable limit.
Part B premium and the full IRMAA tiers
Official 2027 premium table pendingWhy watch: The handbook’s first Part D income line is useful, but it is not the complete Part B and Part D surcharge schedule. Budget per person once CMS posts the full table.
Which income year affects which Medicare year?
IRMAA normally looks back two tax years. Keep the income year separate from the premium year when you use a calculator or decide how much to convert.
What should you do today?
Use the 2026 reference for current-year income, contributions and Medicare costs. Save this tracker for the 2027 releases, and check any official figure against the date and source shown here. If income fell after a qualifying life-changing event, SSA explains when a new IRMAA determination may apply.
Get the number—and what it means—when it lands
Join the newsletter for short explanations as major IRS, SSA and CMS releases arrive. We will explain who the new figure affects and the next decision to check. This page stays open to everyone.
Download the one-page 2027 release watch (PDF) · Open the tall share graphic
2027 tax brackets and financial limits: quick answers
Are the 2027 tax brackets official yet?
No. As of September 26, 2026, the IRS had not published its official 2027 inflation-adjusted tax brackets. The table above is a clearly labeled projection for planning and will be replaced when the IRS release becomes official.
What is the 2027 HSA contribution limit?
The IRS set $4,500 for self-only coverage and $9,000 for family coverage for eligible HSA contributors. Eligibility, including Medicare enrollment, still matters.
What is the 2027 Medicare Part D out-of-pocket cap?
Medicare lists $2,400 for covered Part D drugs in 2027. Premiums, uncovered drugs and plan details are separate.
Have the 2027 IRMAA brackets been released?
The 2027 handbook lists a Part D starting income above $111,000 individual or $222,000 joint. The full 2027 Part B premium and IRMAA dollar table remains pending as of September 26, 2026.
Are the 2027 401(k) and IRA limits official?
No. The 2027 401(k) and IRA contribution limits were pending as of September 26, 2026. Use official 2026 limits for 2026 decisions and check this tracker after the IRS release.
When will SSA announce the 2027 COLA?
SSA says the next COLA announcement is due in October 2026. The COLA percentage changes gross benefits; the net deposit can also change when Medicare premiums change.
Update rule: Replace a pending card only with the agency’s published figure, release date and source link. This page was reviewed September 26, 2026. For current-year planning, use the 2026 key financial numbers.