2027年你的所得税等级会如何变化


2026年9月11日 / 哥伦比亚广播公司新闻

撰文:

据彭博税务(Bloomberg Tax)的最新估算,美国联邦所得税等级明年将上调3.2%,这意味着美国人可以在收入被更高税率征税前赚取更多收入。

美国国税局(IRS)每年都会根据通胀情况调整所得税等级,这一举措能为收入适用较低税率的人群提供一定的财务纾解。尽管该机构尚未公布新的通胀调整后所得税等级——通常会在10月或11月发布公告,但彭博税务已于周五发布了2027年税务调整的预测。

本次分析采用了美国国税局使用的同一通胀衡量标准,即“连锁消费者价格指数”。不过,由于当时政府停摆,美国劳工部未能公布2025年10月的通胀数据,彭博税务表示,其通过11个月的平均值计算了该指数。

美国国税局未立即回应关于其计划何时公布针对下一个报税季的通胀调整后所得税等级的置评请求。

据彭博数据显示,美国国税局的七个所得税等级的收入门槛明年将上调3.2%,高于本纳税年度的2.7%。新的所得税等级至关重要,因为它们有助于纳税人避免所谓的“税级爬升”——如果收入区间未能跟上通胀步伐,就会出现这种隐性增税情况。

此次通胀调整幅度更大的背景是,2026年物价出现上涨,主要原因是伊朗局势引发的战争,导致柴油价格突破每加仑6美元,创下历史纪录,而汽油价格也维持在每加仑4美元以上。8月的消费者价格指数报告显示,通胀同比涨幅达到3.4%,高于预期。

如果不进行年度通胀调整,获得生活成本加薪的员工可能会被推入更高的税级,尽管他们的生活水平并未改变。

根据彭博税务的预测,针对已婚夫妇的12%税率档将涵盖25601美元至104050美元的应纳税收入,该区间上限较2026年增加了3250美元。夫妻收入中仅落入该区间的部分需按12%税率征税,25601美元以下的收入则按10%税率征税。

彭博税务称,2027年单身报税者的所得税等级也将进行调整。

标准扣除额明年也将上调,已婚联合报税者的标准扣除额将升至33200美元,单身报税者为16600美元。而本纳税年度的对应标准扣除额分别为31500美元和15750美元。

编辑:阿兰·谢尔特(Alain Sherter)

See how your income tax bracket could change for 2027

September 11, 2026 / CBS News

By

Federal tax brackets are projected to rise 3.2% next year, allowing Americans to earn more before their income is taxed at higher rates, according to new estimates from Bloomberg Tax.

The IRS adjusts its tax brackets each year for inflation, a step that can provide some financial relief to people whose income is taxed at lower rates. While the agency hasn’t yet announced its new inflation-adjusted tax brackets — an announcement it usually makes in October or November — Bloomberg Tax on Friday issued its forecast for the 2027 tax changes.

The analysis is based on the same inflation measure the IRS uses, known as the “chained Consumer Price Index.” However, because the Department of Labor didn’t report October 2025 inflation data due to the government shutdown at the time, Bloomberg Tax said it calculated the index using an 11-month average.

The IRS didn’t immediately respond to a request for information about when it plans to announce its inflation-adjusted brackets for the upcoming tax season.

Taxpayers are likely to see income thresholds for the seven IRS tax brackets increase by 3.2% next year, up from 2.7% for the current tax year, according to Bloomberg. The new brackets are important because they help taxpayers avoid so-called bracket creep, a hidden tax hike that can occur if income bands fail to keep pace with inflation.

The bigger inflation boost comes as prices have ticked higher in 2026, largely due to the Iran war, which has sent diesel to over $6 a gallon, a record, while gasoline remains above $4 a gallon. August’s Consumer Price Index report showed that inflation rose by a higher-than-expected 3.4% on an annual basis.

Without annual inflation adjustments, workers who get a cost-of-living pay increase could be pushed into a higher tax bracket even though their standard of living hasn’t changed.

Under Bloomberg Tax’s projections, the 12% bracket for married couples would cover taxable income from $25,601 to $104,050, with the top of that range rising $3,250 from 2026. Only the portion of a couple’s income that falls within that range is taxed at 12%, with income below $25,601 taxed at the 10% rate.

Single filers will also see their tax brackets adjusted for 2027, according to Bloomberg Tax.

The standard deduction will also see an increase next year, rising to $33,200 for married couples filing jointly and $16,600 for single filers. That compares with $31,500 and $15,750, respectively, in the current tax year.

Edited by Alain Sherter

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