Built for US users only, instantly convert your hourly wage into yearly, monthly, and take-home pay by state.
Example preview uses $25/hour, 40 hours/week, and U.S. average take-home until you submit your state.
"$15, $20, $30, $40 an hour is how much a year?"
There is a simple formula. Take your hourly rate. Multiply by your weekly hours. Then by 52 weeks. That is your gross yearly pay. But that is not what hits your bank. To get your take-home, you need to take out tax. Federal, FICA, and state. The cards below show you all four common rates. With both gross pay and a rough monthly take-home.
$15/hour is how much a year?
$15/hour=$31,200/year
Before tax · full-time (40 hrs/week × 52 weeks)
After tax (US average): ~$2,050/month
Details
Yearly pay before tax
At $15 an hour with a 40-hour week, the math is $15 × 40 × 52 = $31,200 per year. That is your gross pay. The number a job ad shows you.
Monthly pay before tax
Divide the year by 12. That is about $2,600 a month before tax. Most US jobs pay every two weeks. So you get 26 checks a year. Each one is roughly half your monthly gross.
What you actually take home
Tax cuts your real pay. Federal tax, Social Security, Medicare, and state tax all come out. The $2,050 a month above is the US average. Your state can move this a lot. Use the calculator at the top of this page for your real number.
Who earns this rate
Many entry-level hourly jobs sit near $15. Your rent and city matter more than the gross pay alone. So always pair this benchmark with a real after-tax estimate.
$20/hour is how much a year?
$20/hour=$41,600/year
Before tax · full-time (40 hrs/week × 52 weeks)
After tax (US average): ~$2,650/month
Details
Yearly pay before tax
Same full-time week. $20 × 40 × 52 = $41,600 a year. Gross. That is the simple answer when you want a yearly number from a posted hourly rate.
Monthly pay before tax
Divide by 12. That is about $3,467 a month. If you are comparing job offers, check the real weekly hours. Overtime or uneven shifts shift the yearly total.
Your take-home depends on your state
Your real after-tax pay depends on your state's tax rules. The $2,650 a month above is a US average. Put your state in our calculator for your real number.
Practical context
$20 an hour is a lower-to-middle income in most cities. Two people at $20 an hour can feel very different. It depends on rent, debt, and commute.
$30/hour is how much a year?
$30/hour=$62,400/year
Before tax · full-time (40 hrs/week × 52 weeks)
After tax (US average): ~$3,750/month
Details
Yearly pay before tax
At $30 an hour with a 40-hour week, gross pay is $62,400 a year. This is a popular rate. It is near the pay for many skilled hourly jobs.
Monthly pay before tax
Divide by 12. That is about $5,200 a month gross. If you get paid every two weeks, each check covers two weeks of work. Not half a month.
Tax and benefits
Higher gross pay can push more of your income into higher tax brackets. So your average tax rate may go up. Pretax benefits like health insurance or 401(k) also change your take-home pay.
Lifestyle band
In most US cities, $30 an hour supports a middle-income budget. As long as your rent stays in line. But high rent or big debt can squeeze you. So always check your real after-tax pay.
$40/hour is how much a year?
$40/hour=$83,200/year
Before tax · full-time (40 hrs/week × 52 weeks)
After tax (US average): ~$4,850/month
Details
Yearly pay before tax
At $40 an hour full-time, your yearly gross is $83,200. This is the number to use for loan papers or pay talks.
Monthly pay before tax
Divide by 12. That is about $6,933 a month gross. Plan your fixed costs first. Housing, car, childcare. Then layer on savings and any other goals.
Tax at higher pay
As your pay grows, your federal tax bracket can rise too. So tax planning matters more. Your state's tax also widens the gap between two people at the same hourly rate in different states.
Why use the calculator
These benchmarks help. But your real tax and deductions decide your cash flow. The tool at the top of this page maps "paper pay" to "money I can spend."
Your hourly pay vs your monthly take-home (US average)
The big gap between gross and net surprises most people. Here is the math for four common pay rates.
From hourly rate to real monthly take-home pay (US average, single filer)
Hourly rate
Yearly gross
Monthly gross
Monthly take-home
Tax bite
$15/hr
$31,200
$2,600
$2,050
~21%
$20/hr
$41,600
$3,467
$2,650
~24%
$30/hr
$62,400
$5,200
$3,750
~28%
$40/hr
$83,200
$6,933
$4,850
~30%
Rough US averages. Your state can shift these up or down. Use the calculator above for your real number.
Salary After Tax by State
Compare take-home pay and taxes across different US states.
A tool that turns your hourly pay into yearly and monthly numbers. Gross first. Then take-home after tax. You enter your rate, your weekly hours, and your state. It uses real US tax rules to give you a real number. Helpful when you compare two job offers. Or when you want to compare a freelance rate to a salary.
How do I turn an hourly wage into a yearly salary?
Multiply three numbers. Your hourly rate. Your weekly hours. And 52 weeks. So yearly gross = hourly × hours per week × 52. Most full-time jobs are 40 hours a week. If your hours change a lot, use your real average. Not 40.
How do I turn hourly pay into a monthly salary?
First get your yearly gross (hourly × hours × 52). Then divide by 12. That is your monthly gross. If you get paid every two weeks, your monthly check won't match this exactly. Some months you get three checks. So the monthly number is a planning tool. Not your bank deposit.
What is the formula for hourly to yearly?
Before tax: hourly rate × hours per week × 52 weeks. So $24 an hour at 40 hours a week is $24 × 40 × 52 = $49,920 a year. Want after-tax? Use the calculator above with your state.
Is $25 an hour good in the US?
It depends on where you live. $25 an hour is good in a low-cost city. Tight in a high-rent one. "Good" also depends on your family, your debt, and your savings goals. Not just your hourly rate. Use the tool above. See your take-home. Then check it against rent and bills.
How much rent can you afford on $25 an hour?
A common rule: aim for rent near 30% of your monthly take-home. Real budgets need some give. Since tax differs by state, two people at $25 an hour have different rent caps. Get your take-home first with the calculator above. Then multiply by 0.30. Adjust for debt and savings.
$30 an hour is how much per year?
At 40 hours a week, $30 an hour is about $62,400 a year before tax. ($30 × 40 × 52.) That's about $5,200 a month gross. Your take-home is less. It depends on your state. Run your numbers above for your real after-tax pay.
How much do taxes take from hourly pay?
Most US workers pay three taxes from their paycheck. Federal income tax. Social Security and Medicare (FICA). And often a state income tax. The total can run from 20% on lower pay to over 30% on high pay. Self-employed workers pay different rates. So 1099 income is not the same as W-2 hourly pay.
