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class="fs-author-wrapper"><span class="fs-author-name"><a class="contrib-link--name remove-underline author-name--tracking not-premium-contrib-link--name" data-ga-track="contrib block byline" href="https://www.forbes.com/sites/kellyphillipserb/" title="https://www.forbes.com/sites/kellyphillipserb/" aria-label="Kelly Phillips Erb">Kelly Phillips Erb</a><div class="contrib-label-container"><span class="contrib-byline-type">Forbes Staff</span></div></span></div><div class="short-bio"><span>Kelly Phillips Erb is a Forbes senior writer who covers tax.</span></div></div><fbs-cordial type="Follow" natural-id="blogAuthorId/blog/author/63313" author-slug="kellyphillipserb" page-position="top"><a class="following-label" href="https://account.forbes.com/following" target="blank" title="https://account.forbes.com/following" aria-label="Following"><svg class="fs-icon fs-icon--check-mark" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path fill-rule="evenodd" clip-rule="evenodd" d="M10 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1.3 2.9 2.9 2.9s2.9-1.3 2.9-2.9-1.2-2.9-2.8-2.9z"/></svg></div><div class="open-web_anchor hidden open-web_anchor--desktop open-web-anchor-standard-topline" style="--backgroundColor: "><a class="open-web_anchor--link color-body standard-commenting" href="#open-web-0"><div class="replies-count__container" onclick="location.href='#open-web-0'"></div><svg class="fs-icon fs-icon--comment" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill-rule="evenodd" clip-rule="evenodd" d="M22 4c0-1.1-.9-2-2-2H4c-1.1 0-2 .9-2 2v12c0 1.1.9 2 2 2h14l4 4V4zm-2 0v13.2L18.8 16H4V4h16zM6 12h12v2H6v-2zm0-3h12v2H6V9zm0-3h12v2H6V6z"/></svg></a></div></div><div class="content-data metrics-text color-body light-text standard-metrics-text"><time>Nov 9, 2023,</time><span class="time"><time>02:22pm EST</time></span></div></div><div class="updated-timestamp">Updated Oct 22, 2024, 11:10am EDT</div></div></div><div class="article-body-container"><div class="article-body fs-article fs-responsive-text 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onclick="window.open("https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fsites%2Fkellyphillipserb%2F2023%2F11%2F09%2Firs-announces-2024-tax-brackets-standard-deductions-and-other-inflation-adjustments%2F&title=IRS%20Announces%202024%20Tax%20Brackets%2C%20Standard%20Deductions%20And%20Other%20Inflation%20Adjustments&summary=The%20IRS%20has%20announced%20the%20annual%20inflation%20adjustments%20for%20the%20year%202024%2C%20including%20tax%20rate%20schedules%2C%20tax%20tables%20and%20cost-of-living%20adjustments.%20", 'window', 'width=400,height=500')" aria-label="Share Linkedin" role="link" data-ga-track="Linkedin Click"><span class="screen-reader-text">Share to Linkedin</span><svg class="fs-icon fs-icon--linkedin" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M7.6 20H4.4V9.4h3.4V20h-.2zM6 8c-1 0-2-.8-2-2s.8-2 2-2c1 0 2 .8 2 2S7 8 6 8zm14 12h-3.2v-5.6c0-1.6-.602-2.4-1.801-2.4-1.4 0-2 .8-2 2.4V20h-3.2V9.4h3.2v1.4s1-1.8 3.2-1.8 3.8 1.4 3.8 4.2V20z"/></svg></a></li></ul></div><figure class="embed-base image-embed embed-4" role="presentation"><div style="padding-top:56.68%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/654d28939ad9716865ca2e18/2024-numbers/960x0.jpg?fit=scale" alt="2024 numbers" data-height="1064" data-width="1877"></progressive-image></div><figcaption><fbs-accordion><p class="color-body light-text">2024 numbers</p></fbs-accordion><small>getty</small></figcaption></figure> <p>The IRS has <a href="https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2024" rel="nofollow noopener noreferrer" target="_blank" class="color-link" title="https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2024" data-ga-track="ExternalLink:https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2024" aria-label="announced">announced</a> the annual inflation adjustments for the year 2024, including tax rate schedules, tax tables and cost-of-living adjustments.</p> <div class="halfway_hardwall_1"></div> <div class="article_paragraph_2"></div> <p>These are the official numbers for the tax year 2024—that begins Jan. 1, 2024. They are <em>not </em>the numbers that you’ll use to prepare your 2023 tax returns in 2024 (you’ll find those official 2023 tax numbers <a href="https://www.forbes.com/sites/janetnovack/2022/10/18/irs-sets-higher-2023-tax-brackets-standard-deductions-and-other-inflation-adjustments/?sh=70dbf12a1386" target="_self" class="color-link" title="https://www.forbes.com/sites/janetnovack/2022/10/18/irs-sets-higher-2023-tax-brackets-standard-deductions-and-other-inflation-adjustments/?sh=70dbf12a1386" data-ga-track="InternalLink:https://www.forbes.com/sites/janetnovack/2022/10/18/irs-sets-higher-2023-tax-brackets-standard-deductions-and-other-inflation-adjustments/?sh=70dbf12a1386" aria-label="here">here</a>). These are the numbers that you’ll use to prepare your 2024 tax returns in 2025.</p> <div class="halfway_hardwall_2"></div> <p>If you aren’t expecting any significant changes in 2024, you can use the updated numbers to estimate your liability. If you plan to make more (or less) money or change your circumstances—including getting married, starting a business, or having a baby—consider adjusting your withholding or tweaking your estimated tax payments.</p> <div class="halfway_hardwall_3"></div> <div class="vestpocket" vest-pocket=""></div> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><strong>Tax Brackets and Tax Rates</strong></h2> <p>There are seven (7) tax rates in 2024. They are: 10%, 12%, 22%, 24%, 32%, 35% and 37% (there is also a <a href="http://www.forbes.com/sites/kellyphillipserb/2017/04/17/taxes-from-a-to-z-2017-z-is-for-zero-percent-rate/" target="_self" class="color-link" title="http://www.forbes.com/sites/kellyphillipserb/2017/04/17/taxes-from-a-to-z-2017-z-is-for-zero-percent-rate/" data-ga-track="InternalLink:http://www.forbes.com/sites/kellyphillipserb/2017/04/17/taxes-from-a-to-z-2017-z-is-for-zero-percent-rate/" aria-label="zero rate">zero rate</a>).</p> <div class="halfway_hardwall_4"></div><fbs-ad position="inread" progressive="" ad-id="article-0-inread" aria-hidden="true" role="presentation"></fbs-ad> <p>Here's how those break out by filing status:</p><figure class="embed-base image-embed embed-5" role="presentation"><div style="padding-top:70.04%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/654d2acab431595de699d36e/Single-Taxpayers-2024-official-tax-brackets/960x0.png?fit=scale" alt="Single Taxpayers 2024 official tax brackets" data-height="870" data-width="1240"></progressive-image></div><figcaption><fbs-accordion><p class="color-body light-text">Single Taxpayers 2024 official tax brackets</p></fbs-accordion><small>Kelly Phillips Erb</small></figcaption></figure><figure class="embed-base image-embed embed-6" role="presentation"><div style="padding-top:67.51%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/654d2af1ea284b1c58aa1e98/MFJ-Taxpayers-2024-official-tax-brackets/960x0.png?fit=scale" alt="MFJ Taxpayers 2024 official tax brackets" data-height="838" data-width="1240"></progressive-image></div><figcaption><fbs-accordion><p class="color-body light-text">MFJ Taxpayers 2024 official tax brackets</p></fbs-accordion><small>Kelly Phillips Erb</small></figcaption></figure> <div class="article_paragraph_7"></div><figure class="embed-base image-embed embed-7" role="presentation"><div style="padding-top:77.78%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/654d2b9992d31bd95e6a3351/MFS-2024-official-tax-brackets/960x0.png?fit=scale" alt="MFS 2024 official tax brackets " data-height="966" data-width="1240"></progressive-image></div><figcaption><fbs-accordion><p class="color-body light-text">MFS 2024 official tax brackets </p></fbs-accordion><small>Kelly Phillips Erb</small></figcaption></figure> <script> function loadConnatixScript(document) { if (!window.cnxel) { window.cnxel = {}; 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}); })(); </script> <figure class="embed-base image-embed embed-10" role="presentation"><div style="padding-top:70.04%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/654d2cd8417e12094338c52a/HOH-2024-Official-Tax-Brackets/960x0.png?fit=scale" alt="HOH 2024 Official Tax Brackets" data-height="870" data-width="1240"></progressive-image></div><figcaption><fbs-accordion><p class="color-body light-text">HOH 2024 Official Tax Brackets</p></fbs-accordion><small>Kelly Phillips Erb</small></figcaption></figure><figure class="embed-base image-embed embed-11" role="presentation"><div style="padding-top:52.18%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/654d2cf759b15c314085c411/Trusts-and-Estates-2024-Official-Tax-Brackets/960x0.png?fit=scale" alt="Trusts and Estates 2024 Official Tax Brackets" data-height="648" data-width="1240"></progressive-image></div><figcaption><fbs-accordion><p class="color-body light-text">Trusts and Estates 2024 Official Tax Brackets</p></fbs-accordion><small>Kelly Phillips Erb</small></figcaption></figure> <div class="recirc-module shopping" data-type="standard"><div class="recirc-module-body recirc-module-body--vetted" id="recirc-unit"><div class="recirc-module-title">MORE FROM<a class="forbes-shop-link" href="https://www.forbes.com/vetted/" target="_self" title="https://www.forbes.com/vetted/" aria-label="FORBES VETTED" data-ga-track="shopping recirc|More From Forbes Vetted|none|none"><span class="forbes-shop" data-ga-track="shopping recirc|More From Forbes Vetted|none|none">FORBES VETTED</span></a></div><div class="recirc-articles"><div class="recirc-block-padding"><div class="recirc-content"><a class="recirc-link" href="https://www.forbes.com/sites/forbes-personal-shopper/2024/11/21/snoo-black-friday-sale/" target="_self" title="https://www.forbes.com/sites/forbes-personal-shopper/2024/11/21/snoo-black-friday-sale/" aria-label="This Viral Smart Bassinet Is 30% Off With The Snoo Black Friday Sale" data-ga-track="shopping recirc|More From Forbes Vetted|637bd3090406eb0001245ff0|1"><h3 class="recirc-headline-no-margin" data-ga-track="shopping recirc|More From Forbes Vetted|637bd3090406eb0001245ff0|1">This Viral Smart Bassinet Is 30% Off With The Snoo Black Friday Sale</h3></a><a class="recirc-author" href="https://www.forbes.comhttps://www.forbes.com/sites/forbes-personal-shopper/people/jordanthomas/" target="_self" title="https://www.forbes.comhttps://www.forbes.com/sites/forbes-personal-shopper/people/jordanthomas/" aria-label="By Jordan Thomas Forbes Staff">By<div class="recirc-author-name">Jordan Thomas</div><div class="recirc-author-type">Forbes Staff</div></a></div><a class="recirc-img" style="background-image:url(https://imageio.forbes.com/specials-images/imageserve/673f6b3ca9d540a0ff23e76b/0x0.jpg?width=960);" href="https://www.forbes.com/sites/forbes-personal-shopper/2024/11/21/snoo-black-friday-sale/" aria-label="Graphic This Viral Smart Bassinet Is 30% Off With The Snoo Black Friday Sale" data-ga-track="shopping recirc|More From Forbes Vetted|637bd3090406eb0001245ff0|1"></a></div><div class="recirc-block-padding"><div class="recirc-content"><a class="recirc-link" href="https://www.forbes.com/sites/forbes-personal-shopper/article/best-black-friday-deals/" target="_self" title="https://www.forbes.com/sites/forbes-personal-shopper/article/best-black-friday-deals/" aria-label="The 50 Best Black Friday Deals So Far, According To Our Deals Editors" data-ga-track="shopping recirc|More From Forbes Vetted|5f9707dcfcf3570006e54ef8|2"><h3 class="recirc-headline-no-margin" data-ga-track="shopping recirc|More From Forbes Vetted|5f9707dcfcf3570006e54ef8|2">The 50 Best Black Friday Deals So Far, According To Our Deals Editors</h3></a><a class="recirc-author" href="https://www.forbes.comhttps://www.forbes.com/sites/forbes-personal-shopper/people/karacuzzone/" target="_self" title="https://www.forbes.comhttps://www.forbes.com/sites/forbes-personal-shopper/people/karacuzzone/" aria-label="By Kara Cuzzone Forbes Staff">By<div class="recirc-author-name">Kara Cuzzone</div><div class="recirc-author-type">Forbes Staff</div></a></div><a class="recirc-img" style="background-image:url(https://imageio.forbes.com/specials-images/imageserve/673e2fdbf465a5ba5aec615d/0x0.jpg?width=960);" href="https://www.forbes.com/sites/forbes-personal-shopper/article/best-black-friday-deals/" aria-label="Graphic The 50 Best Black Friday Deals So Far, According To Our Deals Editors" data-ga-track="shopping recirc|More From Forbes Vetted|5f9707dcfcf3570006e54ef8|2"></a></div></div></div></div> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><strong>Top Marginal Tax Rates</strong></h2> <p>Your marginal tax rate determines what you pay when you receive the next dollar of income—it represents the highest tax rate you pay for the year. For the tax year 2024, the top tax rate is 37% for individual single taxpayers with incomes greater than $609,350 ($731,200 for married couples filing jointly).</p> <p>The other rates are:</p> <ul> <li>35% for incomes over $243,725 ($487,450 for married couples filing jointly)</li> <li>32% for incomes over $191,950 ($383,900 for married couples filing jointly)</li> <li>24% for incomes over $100,525 ($201,050 for married couples filing jointly)</li> <li>22% for incomes over $47,150 ($94,300 for married couples filing jointly)</li> <li>12% for incomes over $11,600 ($23,200 for married couples filing jointly)</li> </ul> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><strong>Personal Exemption Amounts</strong></h2> <p>Due to the 2017 tax reform law, there will be no personal exemption amounts in 2024.<em> </em>Personal exemptions used to decrease your taxable income before you determined the tax due. You were generally allowed one exemption for yourself (unless you could be claimed as a dependent by another taxpayer), one exemption for your spouse if you filed a joint return, and one personal exemption for each of your dependents—but that's no longer the case.</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><strong>Standard Deduction Amounts</strong></h2> <p>The standard deduction amounts will increase to $14,600 for individuals and married couples filing separately, representing an increase of $750 from 2023. Married couples filing jointly will see a deduction of $29,200, a boost of $1,500 from 2023, while heads of household will see a jump to $21,900 for heads of household, an increase of $1,100 from 2023.</p><figure class="embed-base image-embed embed-12" role="presentation"><div style="padding-top:49.65%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/654d2e0707032bc08f0631b9/2024-Standard-Deduction-Amounts/960x0.png?fit=scale" alt="2024 Standard Deduction Amounts" data-height="616" data-width="1240"></progressive-image></div><figcaption><fbs-accordion><p class="color-body light-text">2024 Standard Deduction Amounts</p></fbs-accordion><small>Kelly Phillips Erb</small></figcaption></figure> <p>For 2024, the <strong>additional standard deduction</strong> amount for the aged or the blind is $1,550. The additional standard deduction amount increases to $1,950 for unmarried taxpayers.</p> <p>For 2024, the <strong>standard deduction amount for an individual who may be claimed as a dependent</strong> by another taxpayer cannot exceed the greater of $1,300 <em>or</em> the sum of $450 and the individual’s earned income (not to exceed the regular standard deduction amount).</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><strong>Child-Related Adjustments</strong></h2> <p>The <strong>kiddie tax</strong> applies to unearned income for children under the age of 19 and college students under the age of 24. Unearned income is income from sources other than wages and salary, like dividends and interest.</p> <p>Your child must pay taxes on their unearned income in 2024, but if that amount is more than $1,300 but less than $13,000, you may be able to elect to include that income on your return rather than file a separate return for your child.</p> <p>The same “regular” rules apply to earned income.</p> <p>There's a lot of chatter in Congress about making changes to the <strong>Child Tax Credit</strong>, but so far, there’s no action. If nothing changes, the maximum amount of the child tax credit that may be refundable will be $1,700 in 2024.</p> <p>For 2024, the maximum <strong>Earned Income Tax Credit (EITC)</strong> amount available is $7,830 for married taxpayers filing jointly who have three or more qualifying children—it was $7,430 in 2023. Phaseouts apply.</p> <p>For 2024, the <strong>adoption credit</strong> for adopting a child with special needs is $16,810, and the maximum credit allowed for other adoptions is the amount of qualified adoption expenses up to $16,810—up from $15,950 in 2023. The available adoption credit begins to phase out for taxpayers with modified adjusted gross income (MAGI) in excess of $252,150; it’s completely phased out at $292,150 or more.</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><strong>Section 199A (Qualified Business Income) Deduction</strong></h2> <p>As part of the 2017 tax reform law, sole proprietors and owners of pass-through businesses like LLCs, S corporations, and partnerships may be eligible for a deduction of up to 20% to lower the tax rate for qualified business income. The deduction is subject to threshold and phased-in amounts. For 2024, the threshold amounts begin at $383,900 for married taxpayers filing jointly.</p><figure class="embed-base image-embed embed-13" role="presentation"><div style="padding-top:43.60%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/654d2e768d72d7923228e55f/2024-Section-199A-Amounts/960x0.png?fit=scale" alt="2024 Section 199A Amounts" data-height="542" data-width="1240"></progressive-image></div><figcaption><fbs-accordion><p class="color-body light-text">2024 Section 199A Amounts</p></fbs-accordion><small>Kelly Phillips Erb</small></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><strong>Alternative Minimum Tax (AMT)</strong></h2> <p>The AMT exemption rate is also subject to inflation. The AMT exemption amount for tax year 2024 for single filers is $85,700 and begins to phase out at $609,350 (in 2023, the exemption amount for single filers was $81,300 and began to phase out at $578,150). In 2024, the AMT exemption amount for married couples filing jointly is $133,300 and begins to phase out at $1,218,700 (in 2023, the exemption amount for married couples filing jointly was $126,500 and began to phase out at $1,156,300.</p><figure class="embed-base image-embed embed-14" role="presentation"><div style="padding-top:49.65%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/654d2efd486d9469c92d9495/2024-AMT-Exemption-Amounts/960x0.jpg?fit=scale" alt="2024 AMT Exemption Amounts" data-height="616" data-width="1240"></progressive-image></div><figcaption><fbs-accordion><p class="color-body light-text">2024 AMT Exemption Amounts</p></fbs-accordion><small>Kelly Phillips Erb</small></figcaption></figure> <p><br></p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align">Capital Gains Rates</h2> <p>Capital Gains rates will not change for 2024, but the brackets for the rates will change. Most taxpayers pay a maximum 15% rate, but a 20% tax rate applies if your taxable income exceeds the thresholds set for the 37% ordinary tax rate. Exceptions also apply for art, collectible, and section 1250 gain (related to depreciation). The maximum zero rate amounts and maximum 15% rate amounts break down as follows:</p><figure class="embed-base image-embed embed-15" role="presentation"><div style="padding-top:61.04%;position:relative" class="image-embed__placeholder"><progressive-image src="https://specials-images.forbesimg.com/imageserve/654d2f9191bc034aaf8610a4/2024-Maximum-Capital-Gains-Rates/960x0.png?fit=scale" alt="2024 Maximum Capital Gains Rates" data-height="758" data-width="1240"></progressive-image></div><figcaption><fbs-accordion><p class="color-body light-text">2024 Maximum Capital Gains Rates</p></fbs-accordion><small>Kelly Phillips Erb</small></figcaption></figure> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><strong>Education Related & Student Loans</strong></h2> <p>Many <strong>student loans</strong> will be entering repayment this month. For 2024, the $2,500 maximum deduction for interest paid on qualified education loans will begin to phase out for taxpayers with modified adjusted gross income above $80,000 ($165,000 for joint returns) and will completely phase out for taxpayers with modified adjusted gross income of $95,000 or more ($195,000 or more for joint returns).</p> <p>For the 2024 tax year, the adjusted gross income (AGI) amount for joint filers to determine the reduction in the <strong>Lifetime Learning Credit</strong> is $160,000; the AGI amount for single filers is $80,000. That amount is not adjusted for inflation for taxable years beginning after Dec. 31, 2020.</p> <p>In 2024, the amount of the <strong>eligible educator deduction</strong> allowed in connection with books, supplies (other than nonathletic supplies for courses of instruction in health or physical education), computer equipment (including related software and services) and other equipment, and supplementary materials used by the eligible educator in the classroom is $300.</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align">Fringe Benefits—Transportation</h2> <p>In 2024, the monthly limitation for the <strong>qualified transportation fringe benefit</strong> and the monthly limitation for qualified parking increases to $315, an increase of $15 from the 2023 amount.</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><strong>Health Related Items</strong></h2> <p><strong>Health Savings Accounts (HSA).</strong> In 2024, the annual contribution limit for an individual with self-only coverage under a high deductible health plan (HDHP) will be $4,150 ($8,300 for a family). At age 55, individuals can contribute an additional $1,000.</p> <p><strong>Medical Savings Accounts (MSA). </strong>For 2024, a high-deductible health plan (HDHP) is one that, for participants who have self-only coverage in an MSA, has an annual deductible that is not less than $2,800 (an increase of $150 from 2023) but not more than $4,150 (an increase of $200 from 2023). For participants with family coverage, an annual deductible that is not less than $5,550 but not more than $8,350 in 2024. For self-only coverage, the maximum out-of-pocket expense amount is $5,550 in 2024, an increase of $250 from 2023. For family coverage in 2024, the maximum out-of-pocket expense amount is $10,200.</p> <p>The unpopular <strong>shared individual responsibility payment</strong> has been eliminated for the tax year 2024.</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><strong>IRAs & Other Retirement Accounts</strong></h2> <p>Looking for retirement numbers for IRAs (including Roth IRAs) and qualified plans? Those adjustments were released earlier this year. You’ll find them <a href="https://www.forbes.com/sites/kellyphillipserb/2023/11/01/irs-announces-retirement-contribution-limits-will-increase-in-2024/?sh=2527e9882676" target="_self" class="color-link" title="https://www.forbes.com/sites/kellyphillipserb/2023/11/01/irs-announces-retirement-contribution-limits-will-increase-in-2024/?sh=2527e9882676" data-ga-track="InternalLink:https://www.forbes.com/sites/kellyphillipserb/2023/11/01/irs-announces-retirement-contribution-limits-will-increase-in-2024/?sh=2527e9882676" aria-label="here">here</a>.</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><strong style="color: rgb(51, 51, 51);">Foreign-Earned Income Exclusion</strong></h2> <p>In 2024, the foreign-earned income exclusion amount is $126,500, up from $120,000 for tax year 2023.</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align"><strong>Federal Estate & Gift Tax </strong></h2> <p>The<strong> federal estate tax exclusion</strong> for decedents dying will increase to $13,610,000 per person (up from $12,920,000 in 2023) or $27,220,00 per married couple.</p> <p>The <strong>federal gift tax exclusion</strong> will increase to $18,000 in 2024, up from $17,000 in 2023. That means you can gift $18,000 per person to as many people as you want with no federal gift tax consequences in 2024; if you split gifts with your spouse, that total is $36,000. If your spouse is not a U.S. citizen, tax-free gifts are limited to present interest gifts whose total value is below the annual exclusion amount, which is $185,000 in 2024 (it was $175,000 in 2023).</p> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align">Itemized Deductions</h2> <p>Itemized deductions found on Schedule A have not changed. Here’s a refresher on some of the most common:</p> <ul> <li><strong>Medical and Dental Expenses.</strong> The “floor” for medical and dental expenses is 7.5% in 2024, which means you can only deduct those expenses which exceed 7.5% of your AGI.</li> <li><strong>State and Local Taxes.</strong> Deductions for state and local sales, income, and property taxes remain in place and are limited to a combined total of $10,000, or $5,000 for married taxpayers filing separately.</li> <li><strong>Home Mortgage Interest.</strong> You may only deduct interest on acquisition indebtedness—your mortgage used to buy, build or improve your home—up to $750,000, or $375,000 for married taxpayers filing separately. For more on mortgage interest under the TCJA, click <a href="https://www.forbes.com/sites/kellyphillipserb/2018/02/22/irs-issues-guidance-for-deducting-home-equity-loan-interest-under-the-new-tax-law/#2b335f656453" target="_self" class="color-link" title="https://www.forbes.com/sites/kellyphillipserb/2018/02/22/irs-issues-guidance-for-deducting-home-equity-loan-interest-under-the-new-tax-law/#2b335f656453" data-ga-track="InternalLink:https://www.forbes.com/sites/kellyphillipserb/2018/02/22/irs-issues-guidance-for-deducting-home-equity-loan-interest-under-the-new-tax-law/#2b335f656453" aria-label="here">here</a>.</li> <li><strong>Charitable Donations.</strong> As a result of tax reform, the percentage limit for charitable cash donations to public charities increased from 50% to 60% in 2018 and will remain at 60% for 2024.</li> <li><strong>Casualty and Theft Losses.</strong> The deduction for personal casualty and theft losses has been repealed except for losses attributable to a federal disaster area.</li> <li><strong>Job Expenses and Miscellaneous Deductions subject to 2% floor.</strong> Miscellaneous deductions, including unreimbursed employee expenses and tax preparation expenses, which exceed 2% of your AGI have been eliminated.</li> </ul> <h2 class="subhead-embed color-accent bg-base font-accent font-size text-align">More Info</h2> <p>These are the official numbers published by IRS. You can compare these numbers to the 2024 Bloomberg projections <a href="https://www.forbes.com/sites/kellyphillipserb/2023/09/26/your-first-look-at-2024-tax-rates-projected-brackets-standard-deduction-amounts-and-more/?sh=7e1f1c7874bb" target="_self" class="color-link" title="https://www.forbes.com/sites/kellyphillipserb/2023/09/26/your-first-look-at-2024-tax-rates-projected-brackets-standard-deduction-amounts-and-more/?sh=7e1f1c7874bb" data-ga-track="InternalLink:https://www.forbes.com/sites/kellyphillipserb/2023/09/26/your-first-look-at-2024-tax-rates-projected-brackets-standard-deduction-amounts-and-more/?sh=7e1f1c7874bb" aria-label="here">here</a>.</p> <p>You can read all of the numbers in <a href="https://www.irs.gov/pub/irs-drop/rp-23-34.pdf" rel="nofollow noopener noreferrer" target="_blank" class="color-link" title="https://www.irs.gov/pub/irs-drop/rp-23-34.pdf" data-ga-track="ExternalLink:https://www.irs.gov/pub/irs-drop/rp-23-34.pdf" aria-label="Revenue Procedure 2023-34">Revenue Procedure 2023-34</a>.</p><a class="embed-base color-body color-body-border link-embed embed-3" href="https://www.forbes.com/sites/kellyphillipserb/2023/11/01/irs-announces-retirement-contribution-limits-will-increase-in-2024/" target="_blank" aria-label="IRS Announces Retirement Contribution Limits Will Increase In 2024" rel="noopener noreferrer" data-ga-track="forbesEmbedly:https://www.forbes.com/sites/kellyphillipserb/2023/11/01/irs-announces-retirement-contribution-limits-will-increase-in-2024/"><span class="link-embed__info"><span class="link-embed__provider">Forbes</span><span class="link-embed__title">IRS Announces Retirement Contribution Limits Will Increase In 2024</span><small class="link-embed__byline">By <span class="link-embed__author">Kelly Phillips Erb</span></small></span><span class="link-embed__thumbnail-wrapper"><span class="link-embed__thumbnail allow-inline-style" style="background-image: url(https://i.embed.ly/1/image?url=https%3A%2F%2Fimageio.forbes.com%2Fspecials-images%2Fimageserve%2F6542ab0b4b58ccde6f6d6ff3%2F0x0.jpg%3Fformat%3Djpg%26height%3D900%26width%3D1600%26fit%3Dbounds&key=8804248494c144f5b4765c41f66c6ed5);"></span></span></a> <div class="newsletter_signup_article"></div></div><div class="sigfile article-body fs-responsive-text"><span>Follow me on </span><a href="https://www.twitter.com/taxgirl" rel="nofollow noopener noreferrer" target="_blank">Twitter</a> or <a href="https://www.linkedin.com/in/taxgirl/" rel="nofollow noopener noreferrer" target="_blank">LinkedIn</a>. <span>Send me a secure <a href="https://www.forbes.com/tips/" rel="nofollow noopener noreferrer" target="_blank">tip</a></span>. </div><div class="legal-disclaimer"><p><strong>Tax Breaks: </strong>Timely tax tips and the latest news <a target="_blank" rel="noopener noreferrer" href="https://www.forbes.com/newsletter/taxbreaks/#112b13a45eba">delivered to your inbox</a> weekly</p></div><div class="bottom-contrib-block"><div class="fs-author-group-wrapper"><div class="contrib-byline"><a class="fs-author-avatar" href="https://www.forbes.com/sites/kellyphillipserb/" title="Photo of Kelly Phillips Erb"><img class="fs-author-image" src="https://secure.gravatar.com/avatar/e8bc935b76c1deaa34ea856ea8a1f96f?s=400&d=mm&r=g" alt="Kelly Phillips Erb"></a><div class="contrib-info"><div class="author-wrapper"><a class="author-name contrib-byline-author speakable-author" href="https://www.forbes.com/sites/kellyphillipserb/" title="https://www.forbes.com/sites/kellyphillipserb/" aria-label="Kelly Phillips Erb" data-ga-track="contrib block byline">Kelly Phillips Erb</a></div></div></div><fbs-cordial type="Follow" natural-id="blogAuthorId/blog/author/63313" author-slug="kellyphillipserb" page-position="bottom"><a class="following-label" href="https://account.forbes.com/following" target="blank" title="https://account.forbes.com/following" aria-label="Following"><svg class="fs-icon fs-icon--check-mark" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path fill-rule="evenodd" clip-rule="evenodd" d="M10 2.9c-3.9 0-7.1 3.2-7.1 7.1s3.2 7.1 7.1 7.1 7.1-3.2 7.1-7.1-3.2-7.1-7.1-7.1zm-.7 10.3l-3-2.1.7-1 2 1.4 3.4-4.9 1 .7-4.1 5.9z"/></svg><span>Following</span></a></fbs-cordial></div><p class="contrib-bio" data-author-html-description="<p>Kelly Phillips Erb is a Philadelphia-area Forbes senior writer who covers tax and financial crimes.</p><p><br>As a tax attorney, Phillips Erb brings a legal perspective to her tax coverage. This has informed her writing on offshore asset and cryptocurrency enforcement and the legal and administrative challenges faced by taxpayers and tax professionals.</p><p><br>Phillips Erb, known as Taxgirl on the web, reported regularly on efforts to assist taxpayers and small businesses during the pandemic and followed up with coverage of Covid-related fraud issues, including Paycheck Protection Program (PPP) and Employee Retention Credit (ERC) fraud. She also reports on other tax and financial fraud matters, including identity theft, scams, and IRS-Criminal Investigation enforcement of tax crimes.</p><p><br>She's covered many tax-related Supreme Court cases, including <em>South Dakota v. Wayfair</em>, which changed how we pay sales tax online, and <em>U.S. v. Windsor</em>, which focused on the Defense of Marriage Act. Most recently, she has reported on <em>U.S. v. Moore</em>, a case with the potential to upend the current tax system.&nbsp;</p><p><br>Phillips Erb jokes that, as a tax attorney and writer, she aims to help taxpayers get out of trouble and stay out of trouble.&nbsp;</p><p><br>She has received several awards, including being named to the <em>Philadelphia Business Journal</em>'s "40 under 40" and one of the <em>Global Tax 50 by the International Tax Review</em> for her "tireless and passionate tax reporting."&nbsp;</p><p><br>Follow Phillips Erb for tax news and industry updates—and subscribe to Tax Breaks,&nbsp;<a target="_blank" rel="noopener noreferrer" href="https://www.forbes.com/newsletter/taxbreaks/#3bae17895eba">our free tax newsletter</a>.</p><p><br><em>Forbes reporters follow&nbsp;</em><a target="_blank" rel="noopener noreferrer" href="https://www.forbes.com/sites/forbesstaff/article/forbes-editorial-values-and-standards/?sh=423d83a533ea"><em>company ethical guidelines</em></a><em>&nbsp;that ensure the highest quality.</em></p>"></p></div><div class="article-footer" style="border:;"><ul class="footer-row color-body light-text print-tips"><li><a href="https://www.forbes.com/sites/forbesstaff/article/forbes-editorial-values-and-standards/" rel="noopener noreferrer" target="_blank">Editorial Standards</a></li><li><a href="https://www.parsintl.com/publications/forbes/" rel="noopener noreferrer" target="_blank">Forbes Accolades</a></li></ul><div class="footer-ad-labeling" aria-hidden="true" tabindex="-1"></div></div></div></div><div class="right-rail" article-index="0"><div class="video-placeholder"><div class="video-player inactive" data-nosnippet></div></div><div class="ad-rail"><div class="fbs-ad-wrapper fbs-ad--article-0-rec-wrapper recx-alignment"><fbs-ad ad-id="article-0-rec" batched position="rec"></fbs-ad></div><div class="fbs-ad-wrapper fbs-ad--article-0-recx-1-wrapper recx-alignment"><fbs-ad ad-id="article-0-recx-1" batched position="recx"></fbs-ad></div></div></div></div></div><div class="mnet-box article-wrapper" tabindex="-1" role="presentation" aria-hidden="true"><div class="medianet-wrapper ad-unit mnet-btf"><div class="medianet fbs-ad--media_net_1_article_0-wrapper" data-position="media_net_1_article_0" data-size="800x650" data-tagId="265256887" data-params=""></div></div></div><div class="openWeb-wrapper"><div class="openWebHeaderContainer desktop"><div class="header"><h3 class="title">Join The Conversation</h3><div class="data"><span class="emoji"></span><span class="comments">Comments </span><span class="count content_654d268dc2fb38613d86a8d3"></span></div></div><div class="info"><p>One Community. 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