$12,000 a Year is How Much an Hour? (Before and After Taxes)


Computer on workspace for person to make $12,000 a year.

So you found out you will make $12,000 a year from your new pay raise or job. But $12,000 a year is how much an hour?

Below you will find how much $12,000 is hourly, daily, weekly, biweekly, monthly, and even after taxes. There’s also an example budget you can use when making $12,000 a year.

To figure out how much $12,000 a year is as an hourly wage, divide $12,000 by 40 hours and 52 weeks. So if you were to work full-time, 40 hours a week, making $12,000 a year, you would earn $5.77 an hour.

Table of Contents

Comparison Table of $12,000 a Year (Before & After Taxes)

Here is a comparison table of the pretax and after-tax income of $12,000 a year:

$12,000 a YearPretax IncomeAfter-Tax Income
Yearly (52 Weeks)$12,000$9,000
Monthly (160 Hours)$923.08$692.31
Biweekly (80 Hours)$461.54$346.15
Weekly (40 Hours)$230.77$173.08
Daily (8 Hours)$46.15$34.62
Hourly (1 Hour)$5.77$4.33

$12,000 a Year is How Much an Hour?

If you make $12,000 a year, your hourly wage would be $5.77. This is calculated by dividing the $12,000 yearly salary by 2,080 total annual hours worked.

There are 52 weeks in the year, and if you work a full-time job, you will typically work 40 hours a week on average. So when you multiply these two numbers together (40 hours and 52 weeks), you will get an answer of 2,080 total annual hours.

Now you can take your yearly salary of $12,000 and divide it by 2,080 annual hours worked to get your hourly wage.

If you decide to take some time off work to, for example, go on a vacation, your total annual hours worked would be reduced. This may result in the hourly wage ($5.77) changing slightly.

Find Out: $11,000 a Year

$12,000 a Year is How Much an Hour After Taxes?

If you make $12,000 a year, you would take home $4.33 an hour after taxes. Your pre-tax hourly wage was $5.77. But after paying 25% in taxes, your after-tax hourly wage would be $4.33 a year.

The amount you pay in taxes depends on many different factors. But assuming a 25% to 30% tax rate is reasonable.

That means about a third to a fourth of your income will go to taxes at $12,000 a year. There are ways to minimize how much you pay in taxes. However, for the average person, assuming this amount as a tax rate can be expected.

12,000 Dollars a Year is How Much After Taxes?

Anyone making $12,000 a year will have an after-tax income of $9,000. This number is calculated by assuming you will pay around 25% of your income towards taxes.

When you’re earning 12,000 dollars annually, it is always a good idea to know your after-tax annual income and hourly wage.

That said, your estimated after-tax salary is $9,000, meaning a portion of your gross income will go towards taxes.

It’s important that you file your taxes correctly every year. This way, you don’t pay more than you have to.

If you don’t like to worry about whether or not you paid the correct amount in taxes on a 12,000 dollar salary, then you need to use TurboTax.

They have a maximum refund and 100% accuracy guarantee. So when you use TurboTax, you can rest assured your taxes will be filed correctly no matter your income.

$12,000 a Year is How Much a Month?

If you make $12,000 a year, you will make $923.08 a month before taxes, assuming you are working full-time. Each month after taxes, you will make approximately $692.31.

A full-time worker or employee works at least 40 hours a week. If you work either more or fewer hours, this amount will vary slightly.

For this calculation, we will use 160 hours (40 hours multiplied by 4 weeks in a month) to calculate the monthly income of $923.08.

Sometimes, if you work more than 40 hours a week, you might be eligible for overtime pay. Overtime pay is 1.5 times what you usually make. So you could end up making more than just $5.77 an hour.

Learn More: $10,000 a Year

$12,000 a Year is How Much Biweekly?

$12,000 a year is $461.54 biweekly before taxes and approximately $346.15 after taxes. Paying a tax rate of 25% and working full-time at 40 hours a week, you would earn $346.15 after taxes.

To calculate how much you make biweekly before taxes, you would multiply the hourly wage for $12,000 a year, $5.77 by 80 hours to get $461.54.

Most employers send out paychecks every two weeks. So you may hear people refer to their biweekly pay as their paycheck. That said, you could technically say you make $461.54 each paycheck before taxes and $346.15 after taxes.

Our Recommendation: Get paid up to two days early with direct deposit when you use Chime.

$12,000 a Year is How Much a Week?

If you make $12,000 a year, you will get paid $230.77 a week. This amount is calculated by assuming you work full-time for all four weeks of the month. If you multiply 40 hours by $5.77 an hour, you get $230.77, your weekly income.

See: $13,000 a Year

12,000 Dollars a Year is How Much a Day?

$12,000 a year is $46.15 per day before taxes. The standard workday is 8 hours. So by multiplying 8 hours by $5.77 an hour, you would earn $46.15 every day. After taxes, you would earn $34.62 a day.

Tools You Need to Live on $12,000 a Year

So you’re earning $12,000 a year but want to make the most of that money. Here are the best tools you need to start using when living on this amount of income.

CIT Bank

Now that virtually everything is done online so is banking. CIT Bank consistently ranks high as one of the most reliable and trustworthy banks.

See Also  $30,000 a Year is How Much an Hour? (Before and After Taxes)

When you open up a checking or savings account with them, you do not need to worry about any annoying fees. Start building your savings up the right way with CIT Bank.

TurboTax

Taxes can be quite complicated but they don’t have to be. This is especially true if your annual income is $12,000. TurboTax makes filing your taxes simple with their 100% accuracy and maximum refund guarantee.

Survey Junkie

Everyone enjoys earning some extra cash. Well, Survey Junkie makes it possible for you to actually get paid to share your opinions on products and services.

It is some of the easiest money you could ever make. If you’ve got some spare time, fill out one of their surveys and get paid.

Check out Survey Junkie today and start taking surveys to receive PayPal money and gift cards.

FreshBooks

If you’re making $12,000 a year and are a sole proprietor, business owner, or freelancer, you need to start using FreshBooks. They are an affordable accounting and invoicing software that makes sending invoices and tracking expenses simple.

They are perfect whether you’re a beginner or expert in your field and even offer a free trial. So what are you waiting for? Start saving time using FreshBooks today.

How To Budget $12,000 a Year

Creating a monthly budget for how much you need to spend, save, and invest is not as difficult as it seems. First, you will need to find your after-tax income. This is otherwise known as your take-home pay. Your take-home pay for $12,000 a year or $5.77 an hour is approximately $692.31 a month.

You then will need to split that $692.31 after-tax income into different categories. These categories represent your expenses, savings, and investments. If you make $12,000 a year, this is an example of what your monthly budget can look like:

CategoryBudget AmountPercentage
Housing$207.6930%
Saving and Investing$103.8515%
Insurance$103.8515%
Food$69.2310%
Transportation$69.2310%
Entertainment and Recreation$69.2310%
Personal Expenses$34.625%
Utilities$34.625%
Total$692.31100%

Is $12,000 a Year a Good Salary?

A $12,000 salary is considerably lower than the average salary in the United States. In America, the average annual salary is $53,490.

So if you make $12,000 a year, you are making $41,490 less than the average U.S. salary.

Look: $14,000 a Year

$12,000 a Year Salary After Taxes in 2022 (By State)

Here is your estimated $12,000 a year salary after taxes in 2022 for each state. Your after-tax income will change based on state taxes.

Alabama ( $10,722 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 3.00% ) – $360

FICA ( 7.65% ) – $918

Total Alabama Income Taxes ( 10.65% ) – $1,278

Annual Take-Home Pay in Alabama ( 89.35% ) – $10,722

Alaska ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Alaska Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Alaska ( 92.35% ) – $11,082

Arizona ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Arizona Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Arizona ( 92.35% ) – $11,082

Arkansas ( $10,974 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.90% ) – $108

FICA ( 7.65% ) – $918

Total Arkansas Income Taxes ( 8.55% ) – $1,026

Annual Take-Home Pay in Arkansas ( 91.45% ) – $10,974

California ( $11,010 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.60% ) – $72

FICA ( 7.65% ) – $918

Total California Income Taxes ( 8.25% ) – $990

Annual Take-Home Pay in California ( 91.75% ) – $11,010

Colorado ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Colorado Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Colorado ( 92.35% ) – $11,082

Connecticut ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Connecticut Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Connecticut ( 92.35% ) – $11,082

Delaware ( $10,870 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 1.77% ) – $212

FICA ( 7.65% ) – $918

Total Delaware Income Taxes ( 9.42% ) – $1,130

Annual Take-Home Pay in Delaware ( 90.58% ) – $10,870

Florida ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Florida Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Florida ( 92.35% ) – $11,082

Georgia ( $10,962 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 1.00% ) – $121

FICA ( 7.65% ) – $918

Total Georgia Income Taxes ( 8.65% ) – $1,039

Annual Take-Home Pay in Georgia ( 91.35% ) – $10,962

Hawaii ( $10,760 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 2.69% ) – $322

FICA ( 7.65% ) – $918

Total Hawaii Income Taxes ( 10.34% ) – $1,240

Annual Take-Home Pay in Hawaii ( 89.66% ) – $10,760

Idaho ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Idaho Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Idaho ( 92.35% ) – $11,082

Illinois ( $10,606 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 3.97% ) – $476

FICA ( 7.65% ) – $918

Total Illinois Income Taxes ( 11.62% ) – $1,394

Annual Take-Home Pay in Illinois ( 88.38% ) – $10,606

Indiana ( $10,727 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 2.96% ) – $355

FICA ( 7.65% ) – $918

Total Indiana Income Taxes ( 10.61% ) – $1,273

Annual Take-Home Pay in Indiana ( 89.39% ) – $10,727

Iowa ( $10,860 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 1.85% ) – $222

FICA ( 7.65% ) – $918

Total Iowa Income Taxes ( 9.50% ) – $1,140

Annual Take-Home Pay in Iowa ( 90.50% ) – $10,860

Kansas ( $10,873 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 1.74% ) – $209

FICA ( 7.65% ) – $918

Total Kansas Income Taxes ( 9.39% ) – $1,127

Annual Take-Home Pay in Kansas ( 90.61% ) – $10,873

More About Salaries: $15,000 a Year

Kentucky ( $10,617 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 3.88% ) – $466

FICA ( 7.65% ) – $918

Total Kentucky Income Taxes ( 11.53% ) – $1,384

Annual Take-Home Pay in Kentucky ( 88.47% ) – $10,617

Louisiana ( $10,952 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 1.08% ) – $130

FICA ( 7.65% ) – $918

Total Louisiana Income Taxes ( 8.73% ) – $1,048

Annual Take-Home Pay in Louisiana ( 91.27% ) – $10,952

Maine ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Maine Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Maine ( 92.35% ) – $11,082

Maryland ( $10,868 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 1.78% ) – $214

FICA ( 7.65% ) – $918

Total Maryland Income Taxes ( 9.43% ) – $1,132

Annual Take-Home Pay in Maryland ( 90.57% ) – $10,868

Massachusetts ( $10,702 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 3.17% ) – $380

FICA ( 7.65% ) – $918

See Also  $36,000 a Year is How Much an Hour? (Before and After Taxes)

Total Massachusetts Income Taxes ( 10.82% ) – $1,298

Annual Take-Home Pay in Massachusetts ( 89.18% ) – $10,702

Michigan ( $10,780 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 2.51% ) – $302

FICA ( 7.65% ) – $918

Total Michigan Income Taxes ( 10.16% ) – $1,220

Annual Take-Home Pay in Michigan ( 89.84% ) – $10,780

Minnesota ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Minnesota Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Minnesota ( 92.35% ) – $11,082

Mississippi ( $11,061 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.18% ) – $21

FICA ( 7.65% ) – $918

Total Mississippi Income Taxes ( 7.83% ) – $939

Annual Take-Home Pay in Mississippi ( 92.18% ) – $11,061

Missouri ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Missouri Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Missouri ( 92.35% ) – $11,082

Montana ( $10,957 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 1.04% ) – $125

FICA ( 7.65% ) – $918

Total Montana Income Taxes ( 8.69% ) – $1,043

Annual Take-Home Pay in Montana ( 91.31% ) – $10,957

Nebraska ( $10,946 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 1.13% ) – $136

FICA ( 7.65% ) – $918

Total Nebraska Income Taxes ( 8.78% ) – $1,054

Annual Take-Home Pay in Nebraska ( 91.22% ) – $10,946

Nevada ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Nevada Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Nevada ( 92.35% ) – $11,082

New Hampshire ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total New Hampshire Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in New Hampshire ( 92.35% ) – $11,082

New Jersey ( $10,928 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 1.28% ) – $154

FICA ( 7.65% ) – $918

Total New Jersey Income Taxes ( 8.93% ) – $1,072

Annual Take-Home Pay in New Jersey ( 91.07% ) – $10,928

New Mexico ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total New Mexico Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in New Mexico ( 92.35% ) – $11,082

New York ( $10,922 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 1.33% ) – $160

FICA ( 7.65% ) – $918

Total New York Income Taxes ( 8.98% ) – $1,078

Annual Take-Home Pay in New York ( 91.02% ) – $10,922

Check Out This Annual Salary: $16,000 a Year

North Carolina ( $11,016 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.55% ) – $66

FICA ( 7.65% ) – $918

Total North Carolina Income Taxes ( 8.20% ) – $984

Annual Take-Home Pay in North Carolina ( 91.80% ) – $11,016

North Dakota ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total North Dakota Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in North Dakota ( 92.35% ) – $11,082

Ohio ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Ohio Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Ohio ( 92.35% ) – $11,082

Oklahoma ( $11,010 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.60% ) – $72

FICA ( 7.65% ) – $918

Total Oklahoma Income Taxes ( 8.25% ) – $990

Annual Take-Home Pay in Oklahoma ( 91.75% ) – $11,010

Oregon ( $10,513 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 4.74% ) – $569

FICA ( 7.65% ) – $918

Total Oregon Income Taxes ( 12.39% ) – $1,487

Annual Take-Home Pay in Oregon ( 87.61% ) – $10,513

Pennsylvania ( $10,714 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 3.07% ) – $368

FICA ( 7.65% ) – $918

Total Pennsylvania Income Taxes ( 10.72% ) – $1,286

Annual Take-Home Pay in Pennsylvania ( 89.28% ) – $10,714

Rhode Island ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Rhode Island Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Rhode Island ( 92.35% ) – $11,082

South Carolina ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total South Carolina Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in South Carolina ( 92.35% ) – $11,082

South Dakota ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total South Dakota Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in South Dakota ( 92.35% ) – $11,082

Tennessee ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Tennessee Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Tennessee ( 92.35% ) – $11,082

Texas ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Texas Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Texas ( 92.35% ) – $11,082

Utah ( $10,488 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 4.95% ) – $594

FICA ( 7.65% ) – $918

Total Utah Income Taxes ( 12.60% ) – $1,512

Annual Take-Home Pay in Utah ( 87.40% ) – $10,488

Vermont ( $11,035 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.39% ) – $47

FICA ( 7.65% ) – $918

Total Vermont Income Taxes ( 8.04% ) – $965

Annual Take-Home Pay in Vermont ( 91.96% ) – $11,035

Virginia ( $10,884 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 1.65% ) – $199

FICA ( 7.65% ) – $918

Total Virginia Income Taxes ( 9.30% ) – $1,117

Annual Take-Home Pay in Virginia ( 90.70% ) – $10,884

Washington ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Washington Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Washington ( 92.35% ) – $11,082

West Virginia ( $10,782 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 2.50% ) – $300

FICA ( 7.65% ) – $918

Total West Virginia Income Taxes ( 10.15% ) – $1,218

Annual Take-Home Pay in West Virginia ( 89.85% ) – $10,782

Wisconsin ( $11,050 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.27% ) – $32

FICA ( 7.65% ) – $918

Total Wisconsin Income Taxes ( 7.92% ) – $950

Annual Take-Home Pay in Wisconsin ( 92.08% ) – $11,050

Wyoming ( $11,082 )

Federal Income Tax ( 0.00% ) – $0

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $918

Total Wyoming Income Taxes ( 7.65% ) – $918

Annual Take-Home Pay in Wyoming ( 92.35% ) – $11,082

Summary

Here is a quick recap on how you can figure out how much $12,000 a year is hourly, monthly, biweekly, weekly, and daily.

When finding out how much $12,000 a year is per hour, you take $12,000 and divide it by 40 hours and 52 weeks.

When calculating the monthly income for 12,000 dollars a year, you take 12,000 dollars and divide it by 40 hours and 4 weeks.

To find out how much $12,000 a year is biweekly, take $12,000 and divide it by 40 hours and 2 weeks.

For weekly, you take $12,000 and divide it by 40 hours. We divide it by 40 hours because 40 hours a week is considered full-time.

And lastly, to calculate how much $12,000 a year is daily, you take $12,000 and divide it by 8 hours. Eight hours is used in this calculation because that amount of time represents the standard workday.

If you enjoyed reading about how much $12,000 a year is, check out our other annual salary articles below!

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