Newly official: November’s IRS release replaces the previous tax scenarios. SSA’s COLA is 3.6% and wage cap is $192,300. This review reconciles tables, examples, cards and source labels, rather than silently changing only the headline.
The IRS has released the 2027 tax brackets, deductions, capital-gains thresholds and estate/gift exclusions; SSA has released the COLA and wage cap. HSA limits and calendar rules are also confirmed. Retirement limits are confirmed in Notice 2026-66. Medicare Part A/B estimates remain provisional; confirmed Part D amounts are labeled separately. Follow each page’s status and primary source.
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Estimate income tax with the calculator’s supported year.
The income tax calculator currently uses 2026 rules. These 2027 reference tables do not switch that calculator to final 2027 brackets.
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 status
Full match up to
Partial match
No match from
Married Filing Jointly / qualifying surviving spouse
Which 2027 figures are official and which are still estimates?
Tax brackets, standard deductions, capital-gains thresholds, estate/gift exclusions, HSA limits and SSA annual changes are confirmed as of November 12, 2026. The 401(k)/IRA figures are confirmed by IRS Notice 2026-66, published November 12, 2026. Medicare combines confirmed Part D data with estimated Part A/B and IRMAA figures.
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 were the official 2027 figures published?
IRS Rev. Proc. 2026-35 published November 5, 2026 supplies the main tax adjustments. SSA’s 2027 fact sheet supplies its annual changes; HSA limits were released earlier in Rev. Proc. 2026-24. IRS Notice 2026-66, published November 12, 2026, separately confirms retirement limits. Final Medicare Part A/B figures remain unverified here.
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.