$18,000 a Year is How Much an Hour? (Before and After Taxes)


Two people working to earn $18,000 a year.

You found out you will make $18,000 a year from getting that raise or a new job. But $18,000 a year is how much an hour?

Below you will find how much $18,000 is hourly, daily, weekly, biweekly, monthly, and even after taxes. There’s also an example budget you can use when making $18,000 a year.

To figure out how much $18,000 a year is as an hourly wage, divide $18,000 by 40 hours and 52 weeks. So if you were to work full-time, 40 hours a week, making $18,000 a year, you would earn $8.65 an hour.

Table of Contents

Comparison Table of $18,000 a Year (Before & After Taxes)

Here is a comparison table of the pretax and after-tax income of $18,000 a year:

$18,000 a YearPretax IncomeAfter-Tax Income
Yearly (52 Weeks)$18,000$13,500
Monthly (160 Hours)$1,384.62$1,038.46
Biweekly (80 Hours)$692.31$519.23
Weekly (40 Hours)$346.15$259.62
Daily (8 Hours)$69.23$51.92
Hourly (1 Hour)$8.65$6.49

$18,000 a Year is How Much an Hour?

If you make $18,000 a year, your hourly wage would be $8.65. This is calculated by dividing the $18,000 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 $18,000 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 ($8.65) changing slightly.

Find Out: $17,000 a Year

$18,000 a Year is How Much an Hour After Taxes?

If you make $18,000 a year, you would take home $6.49 an hour after taxes. Your pre-tax hourly wage was $8.65. But after paying 25% in taxes, your after-tax hourly wage would be $6.49 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 $18,000 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.

18,000 Dollars a Year is How Much After Taxes?

Anyone making $18,000 a year will have an after-tax income of $13,500. This number is calculated by assuming you will pay around 25% of your income towards taxes.

When you’re earning 18,000 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 $13,500, 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 an 18,000 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.

$18,000 a Year is How Much a Month?

If you make $18,000 a year, you will make $1,384.62 a month before taxes, assuming you are working full-time. Each month after taxes, you will make approximately $1,038.46.

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 $1,384.62.

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 $8.65 an hour.

Learn More: $16,000 a Year

$18,000 a Year is How Much Biweekly?

$18,000 a year is $692.31 biweekly before taxes and approximately $519.23 after taxes. Paying a tax rate of 25% and working full-time at 40 hours a week, you would earn $519.23 after taxes.

To calculate how much you make biweekly before taxes, you would multiply the hourly wage for $18,000 a year, $8.65 by 80 hours to get $692.31.

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 $692.31 each paycheck before taxes and $519.23 after taxes.

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$18,000 a Year is How Much a Week?

If you make $18,000 a year, you will get paid $346.15 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 $8.65 an hour, you get $346.15, your weekly income.

See: $15,000 a Year

18,000 Dollars a Year is How Much a Day?

$18,000 a year is $69.23 per day before taxes. The standard workday is 8 hours. So by multiplying 8 hours by $8.65 an hour, you would earn $69.23 every day. After taxes, you would earn $51.92 a day.

Tools You Need to Live on $18,000 a Year

So you’re earning $18,000 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.

See Also  $78,000 a Year is How Much an Hour? (Before and After Taxes)

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.

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 $18,000. 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.

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FreshBooks

If you’re making $18,000 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 $18,000 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 $18,000 a year or $8.65 an hour is approximately $1,038.46 a month.

You then will need to split that $1,038.46 after-tax income into different categories. These categories represent your expenses, savings, and investments. If you make $18,000 a year, this is an example of what your monthly budget can look like:

CategoryBudget AmountPercentage
Housing$311.5430%
Saving and Investing$155.7715%
Insurance$155.7715%
Food$103.8510%
Transportation$103.8510%
Entertainment and Recreation$103.8510%
Personal Expenses$51.925%
Utilities$51.925%
Total$1,038.46100%

Is $18,000 a Year a Good Salary?

An $18,000 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 $18,000 a year, you are making $35,490 less than the average U.S. salary.

Look: $14,000 a Year

$18,000 a Year Salary After Taxes in 2022 (By State)

Here is your estimated $18,000 a year salary after taxes in 2022 for each state. Your after-tax income will change based on state taxes.

Alabama ( $15,444 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 3.52% ) – $634

FICA ( 7.65% ) – $1,377

Total Alabama Income Taxes ( 14.20% ) – $2,556

Annual Take-Home Pay in Alabama ( 85.80% ) – $15,444

Alaska ( $16,078 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $1,377

Total Alaska Income Taxes ( 10.68% ) – $1,922

Annual Take-Home Pay in Alaska ( 89.32% ) – $16,078

Arizona ( $15,936 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.78% ) – $141

FICA ( 7.65% ) – $1,377

Total Arizona Income Taxes ( 11.46% ) – $2,064

Annual Take-Home Pay in Arizona ( 88.54% ) – $15,936

Arkansas ( $15,782 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 1.64% ) – $296

FICA ( 7.65% ) – $1,377

Total Arkansas Income Taxes ( 12.32% ) – $2,218

Annual Take-Home Pay in Arkansas ( 87.68% ) – $15,782

California ( $15,907 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.95% ) – $171

FICA ( 7.65% ) – $1,377

Total California Income Taxes ( 11.63% ) – $2,093

Annual Take-Home Pay in California ( 88.37% ) – $15,907

Colorado ( $15,830 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 1.38% ) – $248

FICA ( 7.65% ) – $1,377

Total Colorado Income Taxes ( 12.06% ) – $2,170

Annual Take-Home Pay in Colorado ( 87.94% ) – $15,830

Connecticut ( $15,988 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.50% ) – $90

FICA ( 7.65% ) – $1,377

Total Connecticut Income Taxes ( 11.18% ) – $2,012

Annual Take-Home Pay in Connecticut ( 88.82% ) – $15,988

Delaware ( $15,589 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 2.72% ) – $489

FICA ( 7.65% ) – $1,377

Total Delaware Income Taxes ( 13.40% ) – $2,411

Annual Take-Home Pay in Delaware ( 86.60% ) – $15,589

Florida ( $16,078 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $1,377

Total Florida Income Taxes ( 10.68% ) – $1,922

Annual Take-Home Pay in Florida ( 89.32% ) – $16,078

Georgia ( $15,635 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 2.46% ) – $443

FICA ( 7.65% ) – $1,377

Total Georgia Income Taxes ( 13.14% ) – $2,365

Annual Take-Home Pay in Georgia ( 86.86% ) – $15,635

Hawaii ( $15,379 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 3.88% ) – $699

FICA ( 7.65% ) – $1,377

Total Hawaii Income Taxes ( 14.56% ) – $2,621

Annual Take-Home Pay in Hawaii ( 85.44% ) – $15,379

Idaho ( $15,936 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.79% ) – $142

FICA ( 7.65% ) – $1,377

Total Idaho Income Taxes ( 11.47% ) – $2,064

Annual Take-Home Pay in Idaho ( 88.53% ) – $15,936

Illinois ( $15,304 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 4.30% ) – $773

FICA ( 7.65% ) – $1,377

Total Illinois Income Taxes ( 14.98% ) – $2,696

Annual Take-Home Pay in Illinois ( 85.02% ) – $15,304

Indiana ( $15,529 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 3.05% ) – $549

FICA ( 7.65% ) – $1,377

Total Indiana Income Taxes ( 13.73% ) – $2,472

Annual Take-Home Pay in Indiana ( 86.27% ) – $15,529

Iowa ( $15,628 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 2.50% ) – $450

FICA ( 7.65% ) – $1,377

Total Iowa Income Taxes ( 13.18% ) – $2,372

Annual Take-Home Pay in Iowa ( 86.82% ) – $15,628

Kansas ( $15,682 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 2.20% ) – $395

FICA ( 7.65% ) – $1,377

Total Kansas Income Taxes ( 12.88% ) – $2,318

Annual Take-Home Pay in Kansas ( 87.12% ) – $15,682

More About Salaries: $13,000 a Year

Kentucky ( $15,312 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 4.25% ) – $766

FICA ( 7.65% ) – $1,377

Total Kentucky Income Taxes ( 14.93% ) – $2,688

Annual Take-Home Pay in Kentucky ( 85.07% ) – $15,312

Louisiana ( $15,838 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 1.33% ) – $239

FICA ( 7.65% ) – $1,377

Total Louisiana Income Taxes ( 12.01% ) – $2,162

Annual Take-Home Pay in Louisiana ( 87.99% ) – $15,838

Maine ( $16,011 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.37% ) – $67

FICA ( 7.65% ) – $1,377

Total Maine Income Taxes ( 11.05% ) – $1,989

Annual Take-Home Pay in Maine ( 88.95% ) – $16,011

Maryland ( $15,674 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 2.24% ) – $403

FICA ( 7.65% ) – $1,377

Total Maryland Income Taxes ( 12.92% ) – $2,326

Annual Take-Home Pay in Maryland ( 87.08% ) – $15,674

Massachusetts ( $15,398 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 3.78% ) – $680

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

FICA ( 7.65% ) – $1,377

Total Massachusetts Income Taxes ( 14.46% ) – $2,602

Annual Take-Home Pay in Massachusetts ( 85.54% ) – $15,398

Michigan ( $15,521 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 3.09% ) – $557

FICA ( 7.65% ) – $1,377

Total Michigan Income Taxes ( 13.77% ) – $2,479

Annual Take-Home Pay in Michigan ( 86.23% ) – $15,521

Minnesota ( $15,785 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 1.63% ) – $293

FICA ( 7.65% ) – $1,377

Total Minnesota Income Taxes ( 12.31% ) – $2,215

Annual Take-Home Pay in Minnesota ( 87.69% ) – $15,785

Mississippi ( $15,830 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 1.38% ) – $248

FICA ( 7.65% ) – $1,377

Total Mississippi Income Taxes ( 12.06% ) – $2,170

Annual Take-Home Pay in Mississippi ( 87.94% ) – $15,830

Missouri ( $15,962 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.64% ) – $115

FICA ( 7.65% ) – $1,377

Total Missouri Income Taxes ( 11.32% ) – $2,038

Annual Take-Home Pay in Missouri ( 88.68% ) – $15,962

Montana ( $15,795 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 1.57% ) – $283

FICA ( 7.65% ) – $1,377

Total Montana Income Taxes ( 12.25% ) – $2,205

Annual Take-Home Pay in Montana ( 87.75% ) – $15,795

Nebraska ( $15,731 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 1.92% ) – $346

FICA ( 7.65% ) – $1,377

Total Nebraska Income Taxes ( 12.60% ) – $2,269

Annual Take-Home Pay in Nebraska ( 87.40% ) – $15,731

Nevada ( $16,078 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $1,377

Total Nevada Income Taxes ( 10.68% ) – $1,922

Annual Take-Home Pay in Nevada ( 89.32% ) – $16,078

New Hampshire ( $16,078 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $1,377

Total New Hampshire Income Taxes ( 10.68% ) – $1,922

Annual Take-Home Pay in New Hampshire ( 89.32% ) – $16,078

New Jersey ( $15,840 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 1.32% ) – $238

FICA ( 7.65% ) – $1,377

Total New Jersey Income Taxes ( 12.00% ) – $2,160

Annual Take-Home Pay in New Jersey ( 88.00% ) – $15,840

New Mexico ( $15,985 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.51% ) – $93

FICA ( 7.65% ) – $1,377

Total New Mexico Income Taxes ( 11.19% ) – $2,015

Annual Take-Home Pay in New Mexico ( 88.81% ) – $15,985

New York ( $15,670 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 2.26% ) – $408

FICA ( 7.65% ) – $1,377

Total New York Income Taxes ( 12.94% ) – $2,330

Annual Take-Home Pay in New York ( 87.06% ) – $15,670

Check Out This Annual Salary: $12,000 a Year

North Carolina ( $15,697 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 2.11% ) – $381

FICA ( 7.65% ) – $1,377

Total North Carolina Income Taxes ( 12.79% ) – $2,303

Annual Take-Home Pay in North Carolina ( 87.21% ) – $15,697

North Dakota ( $16,018 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.33% ) – $60

FICA ( 7.65% ) – $1,377

Total North Dakota Income Taxes ( 11.01% ) – $1,982

Annual Take-Home Pay in North Dakota ( 88.99% ) – $16,018

Ohio ( $16,078 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $1,377

Total Ohio Income Taxes ( 10.68% ) – $1,922

Annual Take-Home Pay in Ohio ( 89.32% ) – $16,078

Oklahoma ( $15,734 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 1.91% ) – $344

FICA ( 7.65% ) – $1,377

Total Oklahoma Income Taxes ( 12.59% ) – $2,266

Annual Take-Home Pay in Oklahoma ( 87.41% ) – $15,734

Oregon ( $15,005 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 5.96% ) – $1,073

FICA ( 7.65% ) – $1,377

Total Oregon Income Taxes ( 16.64% ) – $2,995

Annual Take-Home Pay in Oregon ( 83.36% ) – $15,005

Pennsylvania ( $15,525 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 3.07% ) – $553

FICA ( 7.65% ) – $1,377

Total Pennsylvania Income Taxes ( 13.75% ) – $2,475

Annual Take-Home Pay in Pennsylvania ( 86.25% ) – $15,525

Rhode Island ( $15,909 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.94% ) – $169

FICA ( 7.65% ) – $1,377

Total Rhode Island Income Taxes ( 11.62% ) – $2,091

Annual Take-Home Pay in Rhode Island ( 88.38% ) – $15,909

South Carolina ( $16,010 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.38% ) – $68

FICA ( 7.65% ) – $1,377

Total South Carolina Income Taxes ( 11.06% ) – $1,990

Annual Take-Home Pay in South Carolina ( 88.95% ) – $16,010

South Dakota ( $16,078 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $1,377

Total South Dakota Income Taxes ( 10.68% ) – $1,922

Annual Take-Home Pay in South Dakota ( 89.32% ) – $16,078

Tennessee ( $16,078 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $1,377

Total Tennessee Income Taxes ( 10.68% ) – $1,922

Annual Take-Home Pay in Tennessee ( 89.32% ) – $16,078

Texas ( $16,078 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $1,377

Total Texas Income Taxes ( 10.68% ) – $1,922

Annual Take-Home Pay in Texas ( 89.32% ) – $16,078

Utah ( $15,187 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 4.95% ) – $891

FICA ( 7.65% ) – $1,377

Total Utah Income Taxes ( 15.63% ) – $2,813

Annual Take-Home Pay in Utah ( 84.37% ) – $15,187

Vermont ( $15,830 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 1.38% ) – $248

FICA ( 7.65% ) – $1,377

Total Vermont Income Taxes ( 12.06% ) – $2,170

Annual Take-Home Pay in Vermont ( 87.94% ) – $15,830

Virginia ( $15,579 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 2.77% ) – $499

FICA ( 7.65% ) – $1,377

Total Virginia Income Taxes ( 13.45% ) – $2,421

Annual Take-Home Pay in Virginia ( 86.55% ) – $15,579

Washington ( $16,078 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $1,377

Total Washington Income Taxes ( 10.68% ) – $1,922

Annual Take-Home Pay in Washington ( 89.32% ) – $16,078

West Virginia ( $15,538 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 3.00% ) – $540

FICA ( 7.65% ) – $1,377

Total West Virginia Income Taxes ( 13.68% ) – $2,462

Annual Take-Home Pay in West Virginia ( 86.32% ) – $15,538

Wisconsin ( $15,820 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 1.43% ) – $257

FICA ( 7.65% ) – $1,377

Total Wisconsin Income Taxes ( 12.11% ) – $2,180

Annual Take-Home Pay in Wisconsin ( 87.89% ) – $15,820

Wyoming ( $16,078 )

Federal Income Tax ( 3.03% ) – $545

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $1,377

Total Wyoming Income Taxes ( 10.68% ) – $1,922

Annual Take-Home Pay in Wyoming ( 89.32% ) – $16,078

Summary

Here is a quick recap on how you can figure out how much $18,000 a year is hourly, monthly, biweekly, weekly, and daily.

When finding out how much $18,000 a year is per hour, you take $18,000 and divide it by 40 hours and 52 weeks.

When calculating the monthly income for 18,000 dollars a year, you take 18,000 dollars and divide it by 40 hours and 4 weeks.

To find out how much $18,000 a year is biweekly, take $18,000 and divide it by 40 hours and 2 weeks.

For weekly, you take $18,000 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 $18,000 a year is daily, you take $18,000 and divide it by 8 hours. Eight hours is used in this calculation because that amount of time represents the standard workday.

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