$18 an hour is $37,440 a year
$18 an hour is $37,440 a year before tax at 40 hours a week. After 2026 federal income tax, Social Security and Medicare:
You keep
$32,263
a year after taxes
- Every two weeks
- $1,241
- A month
- $2,689
- Effective tax rate
- 13.8%
US Before state and local income tax
| Line | Every two weeks | Year |
|---|---|---|
GROSS Gross pay |
$1,440.00 | $37,440.00 |
FED Federal income tax |
-$88.95 | -$2,312.80 |
OASDI Social Security tax |
-$89.28 | -$2,321.28 |
MED Medicare tax |
-$20.88 | -$542.88 |
NET Take-home pay | $1,240.89 | $32,263.04 |
Most states also tax wages. Take-home pay in all 50 states and DC is further down.
$18 an hour per paycheck, month and day
| Period | Gross | Taxes | Take-home |
|---|---|---|---|
| Year | $37,440 | -$5,177 | $32,263 |
| Month | $3,120 | -$431 | $2,689 |
| Every two weeks | $1,440 | -$199 | $1,241 |
| Week | $720 | -$100 | $620 |
| Day | $144 | -$20 | $124 |
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 | $18,720 | $17,026 |
| 25 | $23,400 | $20,880 |
| 30 | $28,080 | $24,734 |
| 35 | $32,760 | $28,503 |
| 40 | $37,440 | $32,263 |
| 45 (5 overtime) | $44,460 | $38,184 |
| 50 (10 overtime) | $51,480 | $44,106 |
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 $18 an hour affords
- Rent at 30% of gross pay
- $936 a month
- Needs (50% of take-home)
- $1,344 a month
- Wants (30%)
- $807 a month
- Savings and debt (20%)
- $538 a month
The 30% rule is the benchmark HUD uses for housing cost burden. The 50/30/20 split applies to the $2,689 monthly take-home figure above.
$18 an hour after taxes in every state
8 states take no state income tax or payroll contributions from $18 an hour ($37,440 a year). Among the rest, Alaska takes the least ($187 a year) and Oregon the most ($2,522, or $97 per biweekly paycheck).
| State | State taxes | Take-home a year |
|---|---|---|
| Florida | $0 | $32,263 |
| Nevada | $0 | $32,263 |
| New Hampshire | $0 | $32,263 |
| North Dakota | $0 | $32,263 |
| South Dakota | $0 | $32,263 |
| Tennessee | $0 | $32,263 |
| Texas | $0 | $32,263 |
| Wyoming | $0 | $32,263 |
| Alaska | $187 | $32,076 |
| South Carolina | $447 | $31,816 |
| Washington | $519 | $31,744 |
| Arizona | $534 | $31,730 |
| Ohio | $579 | $31,684 |
| New Mexico | $643 | $31,620 |
| Louisiana | $738 | $31,525 |
| Mississippi | $766 | $31,497 |
| Iowa | $771 | $31,492 |
| Missouri | $795 | $31,468 |
| Vermont | $820 | $31,443 |
| Nebraska | $824 | $31,439 |
| Idaho | $886 | $31,377 |
| Arkansas | $898 | $31,365 |
| New Jersey | $909 | $31,354 |
| Utah | $944 | $31,319 |
| Wisconsin | $958 | $31,305 |
| West Virginia | $962 | $31,301 |
| California | $967 | $31,296 |
| North Carolina | $985 | $31,278 |
| Montana | $1,003 | $31,260 |
| Indiana | $1,075 | $31,188 |
| Colorado | $1,104 | $31,159 |
| Georgia | $1,120 | $31,143 |
| Oklahoma | $1,139 | $31,124 |
| Maine | $1,144 | $31,119 |
| District of Columbia | $1,146 | $31,117 |
| Hawaii | $1,151 | $31,112 |
| Pennsylvania | $1,176 | $31,087 |
| Kentucky | $1,193 | $31,070 |
| Connecticut | $1,195 | $31,068 |
| Rhode Island | $1,199 | $31,064 |
| Kansas | $1,289 | $30,974 |
| Michigan | $1,338 | $30,925 |
| Virginia | $1,339 | $30,924 |
| Minnesota | $1,352 | $30,911 |
| Maryland | $1,412 | $30,851 |
| Alabama | $1,516 | $30,747 |
| Delaware | $1,551 | $30,712 |
| New York | $1,618 | $30,645 |
| Illinois | $1,708 | $30,555 |
| Massachusetts | $1,724 | $30,539 |
| Oregon | $2,522 | $29,741 |
Questions people ask about $18 an hour
$18 an hour is how much a year?
$18 an hour is $37,440 a year before tax at 40 hours a week and 52 paid weeks. At 35 hours a week it is $32,760, and at 30 hours $28,080.
How much is $18 an hour after taxes?
After 2026 federal income tax, Social Security and Medicare, a single filer keeps $32,263 a year. State tax brings that down to between $29,741 (Oregon) and $32,263 (Wyoming, no state tax).
How much is $18 an hour biweekly after taxes?
$18 an hour is $1,440 gross every two weeks. After taxes (before state tax) a biweekly paycheck comes to about $1,241.
$18 an hour is how much a month?
$18 an hour is $3,120 a month before tax and about $2,689 after tax before state tax, averaged over 12 months.
How much rent can I afford on $18 an hour?
The 30% rule puts rent at $936 a month on $3,120 gross. Budgeting from take-home pay with 50/30/20, all needs including rent get $1,344.
Which state takes the least tax from $18 an hour?
8 states take no state income tax or payroll contributions from wages, so $18 an hour leaves $32,263 there. Oregon leaves the least, $29,741.
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