2027 Standard Deduction
Updated · 2026 figures official · 2027 figures projected until the agency publishes
Projected 2027 standard deduction by filing status, plus the extra deduction for taxpayers 65 and older.
The 2027 standard deduction is projected at $16,600 for single filers, $33,200 for married couples filing jointly and $24,900 for heads of household. The table below has every 2027 figure beside its 2026 value.
Projected The agency has not published 2027 yet. Every 2027 figure below is our projection under the statutory formula (+3.06% C-CPI-U), shown so you can plan before the announcement — and replaced here the day the official number lands.
| Item | 2026 | 2027 | Status |
|---|---|---|---|
| Standard deductionSingle | $16,100 | $16,600 | Projected |
| Standard deductionMarried filing jointly | $32,200 | $33,200 | Projected |
| Standard deductionMarried filing separately | $16,100 | $16,600 | Projected |
| Standard deductionHead of household | $24,150 | $24,900 | Projected |
| Additional standard deduction, age 65+ (IRC §63(f))Unmarried filer aged 65+ (single or head of household) | $2,050 | $2,100 | Projected |
| Additional standard deduction, age 65+ (IRC §63(f))Per married filer aged 65+ (joint or separate) | $1,650 | $1,700 | Projected |
2026 figures as published by IRS Rev. Proc. 2025-32 — source, retrieved 2026-09-19. Every figure on this page is read from a dataset at build time; none is typed into the page.
Your 2027 standard deduction, and whether itemizing beats it
The tax engine figures your 2027 federal return twice, once with the standard deduction and once itemizing, and shows each piece of the deduction and the tax difference.
Income for 2027
What you would itemize
2027: the basic and additional standard deductions are the projected figures in the table above. The tax is the tax engine’s projection of the law as written, its brackets and other dollar amounts indexed at the September 2025 to August 2026 chained-CPI window (+3.06% year on year), until the official 2027 brackets replace the projection; the SALT cap and its income threshold rise 1% a year under IRC §164(b)(7). A dependent’s limit is projected the same way: the greater of $1,400 or earned income plus $500 (IRC §63(c)(4)-(5), the 2026 amounts of Rev. Proc. 2025-32 §4.14(2) indexed from their 1987 and 1997 bases, CPI-U from BLS series CUUR0000SA0). The senior deduction (up to $6,000 for each person 65 or older, 2025 through 2028, less 6% of modified AGI above $75,000 or $150,000 joint; married filing separately cannot claim it, Schedule 1-A Part V) is taken on top of either deduction, on the AGI of the incomes entered. The engine applies the SALT cap and its phase-down (IRC §164(b)(7)), the 7.5%-of-AGI medical floor (§213(a)), the 0.5%-of-AGI floor on charitable gifts and the limit on itemized deductions in the top bracket (§§170(b)(1)(I), 68), and gives non-itemizers the charitable deduction for cash gifts (up to $1,000, $2,000 joint, not to donor-advised funds; §170(p)). Tax is Form 1040 line 24. Not included: other itemized deductions (investment interest, casualty losses), a dependent’s unearned income rules (the kiddie tax), self-employment income, credits for children, and state income tax.
See your whole 2026 return in the Return Preview → Every line of the federal and state return, Schedule A and Schedule 1-A included, from your own W-2s and 1099s.
Estimate your 2026 return
The return you file in early 2027 is for tax year 2026. Free calculators:
- Federal income tax calculator — your 2026 federal income tax, your tax bracket and your effective rate.
- Tax refund calculator — your 2026 federal and state refund or amount owed, from your wages, filing status, children and the tax withheld.
- Senior deduction calculator — how much of the new deduction for filers aged 65 and older you keep after the income phase-out.
- 2026 Return Preview — what you owe or get back on your 2026 federal and state returns, with Social Security, IRA withdrawals, pensions and Roth conversions; free, with the line-by-line return in the Tax Season Pass.
The standard deduction sets the floor for every withdrawal decision you make that year. QuantCalc runs your whole retirement — withdrawals, taxes, Medicare surcharges — year by year, on 2026 and 2027 figures.
Run the free tax-aware simulation →How this figure is set
$15,750 x 182.629 / 173.016 (C-CPI-U 2026 over the 2024 base), the increase over $15,750 rounded down to the next lowest multiple of $50 per IRC §63(c)(7)(B) (IRS Rev. Proc. 2025-32, retrieved 2026-09-19)
Common questions
What is the 2027 standard deduction for married filing jointly?
$33,200 (projected until the agency announces it), up from $32,200 in 2026.
Are the 2027 standard deduction figures final?
No. The agency publishes in the autumn. Until then the 2027 column here is a projection produced by applying the statutory indexing formula — the statutory index series — to the statute's own base-year amount, rounded once, not by growing the rounded 2026 figure; chained-CPI amounts use the September 2025 to August 2026 C-CPI-U window (+3.06% year on year). It is labelled as a projection on every row, and this page is regenerated from the dataset the day the official figure lands.
When will the official 2027 standard deduction be announced?
The IRS publishes the official 2027 standard deduction in its annual inflation-adjustment revenue procedure. The 2026 figures came in Rev. Proc. 2025-32, released on October 9, 2025 (IRS news release IR-2025-103). Until then, the 2027 figures on this page are our projection; the published figures replace them here.
What sets these numbers?
The 2026 figures are taken from the agency's own publication (IRS Rev. Proc. 2025-32, retrieved 2026-09-19).
What changed from 2026?
The table shows both years side by side so the change is readable directly. Where a row says unchanged, that is a statutory result, not an omission.
Related
2027 federal tax brackets → Senior deduction study → 2026 figures: standard deduction (official) → 2026 earned income credit calculator →
Every figure here with its status and source: JSON. QuantCalc is calculation software, not tax advice.