$13 an hour is $27,040 a year
$13 an hour is $27,040 a year before tax at 40 hours a week. After 2026 federal income tax, Social Security and Medicare:
You keep
$23,877
a year after taxes
- Every two weeks
- $918
- A month
- $1,990
- Effective tax rate
- 11.7%
US Before state and local income tax
| Line | Every two weeks | Year |
|---|---|---|
GROSS Gross pay |
$1,040.00 | $27,040.00 |
FED Federal income tax |
-$42.08 | -$1,094.00 |
OASDI Social Security tax |
-$64.48 | -$1,676.48 |
MED Medicare tax |
-$15.08 | -$392.08 |
NET Take-home pay | $918.36 | $23,877.44 |
Most states also tax wages. Take-home pay in all 50 states and DC is further down.
$13 an hour per paycheck, month and day
| Period | Gross | Taxes | Take-home |
|---|---|---|---|
| Year | $27,040 | -$3,163 | $23,877 |
| Month | $2,253 | -$264 | $1,990 |
| Every two weeks | $1,040 | -$122 | $918 |
| Week | $520 | -$61 | $459 |
| Day | $104 | -$12 | $92 |
Biweekly means 26 paychecks a year. A day is one of 260 working days (five a week). "Taxes and deductions" includes every line on the stub above.
If you work more or fewer hours
| Hours a week | Yearly gross | Yearly take-home |
|---|---|---|
| 20 | $13,520 | $12,486 |
| 25 | $16,900 | $15,527 |
| 30 | $20,280 | $18,311 |
| 35 | $23,660 | $21,094 |
| 40 | $27,040 | $23,877 |
| 45 (5 overtime) | $32,110 | $28,183 |
| 50 (10 overtime) | $37,180 | $32,460 |
From 2026, federal income tax exempts the overtime premium (the extra half of time-and-a-half) up to $12,500 a year for single filers. Social Security, Medicare still apply to it.
What $13 an hour affords
- Rent at 30% of gross pay
- $676 a month
- Needs (50% of take-home)
- $995 a month
- Wants (30%)
- $597 a month
- Savings and debt (20%)
- $398 a month
The 30% rule is the benchmark HUD uses for housing cost burden. The 50/30/20 split applies to the $1,990 monthly take-home figure above.
$13 an hour after taxes in every state
9 states take no state income tax or payroll contributions from $13 an hour ($27,040 a year). Among the rest, Alaska takes the least ($135 a year) and Oregon the most ($1,645, or $63 per biweekly paycheck).
| State | State taxes | Take-home a year |
|---|---|---|
| Florida | $0 | $23,877 |
| Nevada | $0 | $23,877 |
| New Hampshire | $0 | $23,877 |
| North Dakota | $0 | $23,877 |
| Ohio | $0 | $23,877 |
| South Dakota | $0 | $23,877 |
| Tennessee | $0 | $23,877 |
| Texas | $0 | $23,877 |
| Wyoming | $0 | $23,877 |
| Alaska | $135 | $23,742 |
| New Mexico | $210 | $23,667 |
| South Carolina | $240 | $23,638 |
| Arizona | $274 | $23,604 |
| Missouri | $321 | $23,557 |
| Idaho | $335 | $23,543 |
| Utah | $346 | $23,532 |
| Mississippi | $350 | $23,528 |
| Washington | $375 | $23,502 |
| Iowa | $376 | $23,502 |
| Connecticut | $383 | $23,494 |
| Nebraska | $419 | $23,458 |
| Louisiana | $426 | $23,451 |
| Wisconsin | $462 | $23,415 |
| Vermont | $472 | $23,405 |
| Hawaii | $480 | $23,397 |
| Maine | $488 | $23,389 |
| Montana | $514 | $23,363 |
| California | $514 | $23,363 |
| Arkansas | $518 | $23,359 |
| District of Columbia | $522 | $23,355 |
| North Carolina | $570 | $23,307 |
| Colorado | $600 | $23,277 |
| Georgia | $601 | $23,277 |
| New Jersey | $614 | $23,263 |
| West Virginia | $634 | $23,244 |
| Oklahoma | $671 | $23,206 |
| Rhode Island | $695 | $23,183 |
| Virginia | $741 | $23,137 |
| Kansas | $742 | $23,135 |
| Minnesota | $750 | $23,128 |
| Indiana | $768 | $23,109 |
| Kentucky | $829 | $23,049 |
| Pennsylvania | $849 | $23,028 |
| Michigan | $896 | $22,981 |
| Maryland | $918 | $22,959 |
| Delaware | $936 | $22,941 |
| New York | $1,011 | $22,866 |
| Alabama | $1,036 | $22,841 |
| Massachusetts | $1,156 | $22,721 |
| Illinois | $1,194 | $22,684 |
| Oregon | $1,645 | $22,232 |
Questions people ask about $13 an hour
$13 an hour is how much a year?
$13 an hour is $27,040 a year before tax at 40 hours a week and 52 paid weeks. At 35 hours a week it is $23,660, and at 30 hours $20,280.
How much is $13 an hour after taxes?
After 2026 federal income tax, Social Security and Medicare, a single filer keeps $23,877 a year. State tax brings that down to between $22,232 (Oregon) and $23,877 (Wyoming, no state tax).
How much is $13 an hour biweekly after taxes?
$13 an hour is $1,040 gross every two weeks. After taxes (before state tax) a biweekly paycheck comes to about $918.
$13 an hour is how much a month?
$13 an hour is $2,253 a month before tax and about $1,990 after tax before state tax, averaged over 12 months.
How much rent can I afford on $13 an hour?
The 30% rule puts rent at $676 a month on $2,253 gross. Budgeting from take-home pay with 50/30/20, all needs including rent get $995.
Which state takes the least tax from $13 an hour?
9 states take no state income tax or payroll contributions from wages, so $13 an hour leaves $23,877 there. Oregon leaves the least, $22,232.
Try your own numbers
Sources and assumptions
Tax year 2026. Annual tax for a filer with no dependents, no other income and no credits, working 52 weeks. Hours over 40 a week are paid at 1.5×. Local income taxes are not included. How we calculate.
- IRS Revenue Procedure 2025-32: federal brackets and standard deduction (retrieved 2026-09-26)
- Social Security Administration: 2026 wage base; IRS: Medicare and Additional Medicare Tax