Although the IRS won't officiallyannounce the income tax brackets for2005 until later this year, the tax experts have already donesome projections. According to these predictions,if you file a joint return, yourtaxable income will have to top$326,450 next year before you land inthe highest tax bracket of 35%, up from$319,100 this year. To get into the 33%bracket, your taxable income must top$182,800, up from $178,650. The 28%level starts at $119,950 for joint filers in2005. Single filers have the same incomelevel for the top tax brackets, but will hitthe 33% bracket at $150,150, up from$146,750 in 2004. Inflation will alsokick the standard deduction up a notch,from $9700 to $10,000 for joint returns,and from $4850 to $5000 on singlereturns. The annual gift tax exemptionwill remain at $11,000.