You found out you will make $28,000 a year from getting that raise or a new job. But $28,000 a year is how much an hour?
Below you will find how much $28,000 is hourly, daily, weekly, biweekly, monthly, and even after taxes. There’s also an example budget you can use when making $28,000 a year.
To figure out how much $28,000 a year is as an hourly wage, divide $28,000 by 40 hours and 52 weeks. So if you were to work full-time, 40 hours a week, making $28,000 a year, you would earn $13.46 an hour.
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Comparison Table of $28,000 a Year (Before & After Taxes)
Here is a comparison table of the pretax and after-tax income of $28,000 a year:
| $28,000 a Year | Pretax Income | After-Tax Income |
|---|---|---|
| Yearly (52 Weeks) | $28,000 | $21,000 |
| Monthly (160 Hours) | $2,153.85 | $1,615.38 |
| Biweekly (80 Hours) | $1,076.92 | $807.69 |
| Weekly (40 Hours) | $538.46 | $403.85 |
| Daily (8 Hours) | $107.69 | $80.77 |
| Hourly (1 Hour) | $13.46 | $10.10 |
$28,000 a Year is How Much an Hour?
If you make $28,000 a year, your hourly wage would be $13.46. This is calculated by dividing the $28,000 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 $28,000 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 ($13.46) changing slightly.
Find Out: $27,000 a Year
$28,000 a Year is How Much an Hour After Taxes?
If you make $28,000 a year, you would take home $10.10 an hour after taxes. Your pre-tax hourly wage was $13.46. But after paying 25% in taxes, your after-tax hourly wage would be $10.10 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 $28,000 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.
28,000 Dollars a Year is How Much After Taxes?
Anyone making $28,000 a year will have an after-tax income of $21,000. This number is calculated by assuming you will pay around 25% of your income towards taxes.
When you’re earning 28,000 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 $21,000, 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 28,000 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.
$28,000 a Year is How Much a Month?
If you make $28,000 a year, you will make $2,153.85 a month before taxes, assuming you are working full-time. Each month after taxes, you will make approximately $1,615.38.
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 $2,153.85.
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 $13.46 an hour.
Learn More: $26,000 a Year
$28,000 a Year is How Much Biweekly?
$28,000 a year is $1,076.92 biweekly before taxes and approximately $807.69 after taxes. Paying a tax rate of 25% and working full-time at 40 hours a week, you would earn $807.69 after taxes.
To calculate how much you make biweekly before taxes, you would multiply the hourly wage for $28,000 a year, $13.46 by 80 hours to get $1,076.92.
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 $1,076.92 each paycheck before taxes and $807.69 after taxes.
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$28,000 a Year is How Much a Week?
If you make $28,000 a year, you will get paid $538.46 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 $13.46 an hour, you get $538.46, your weekly income.
See: $25,000 a Year
28,000 Dollars a Year is How Much a Day?
$28,000 a year is $107.69 per day before taxes. The standard workday is 8 hours. So by multiplying 8 hours by $13.46 an hour, you would earn $107.69 every day. After taxes, you would earn $80.77 a day.
Tools You Need to Live on $28,000 a Year
So you’re earning $28,000 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.
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 $28,000. 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 $28,000 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 $28,000 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 $28,000 a year or $13.46 an hour is approximately $1,615.38 a month.
You then will need to split that $1,615.38 after-tax income into different categories. These categories represent your expenses, savings, and investments. If you make $28,000 a year, this is an example of what your monthly budget can look like:
| Category | Budget Amount | Percentage |
|---|---|---|
| Housing | $484.62 | 30% |
| Saving and Investing | $242.31 | 15% |
| Insurance | $242.31 | 15% |
| Food | $161.54 | 10% |
| Transportation | $161.54 | 10% |
| Entertainment and Recreation | $161.54 | 10% |
| Personal Expenses | $80.77 | 5% |
| Utilities | $80.77 | 5% |
| Total | $1,615.38 | 100% |
Is $28,000 a Year a Good Salary?
A $28,000 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 $28,000 a year, you are making $25,490 less than the average U.S. salary.
Look: $24,000 a Year
$28,000 a Year Salary After Taxes in 2022 (By State)
Here is your estimated $28,000 a year salary after taxes in 2022 for each state. Your after-tax income will change based on state taxes.
Alabama ( $23,106 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 3.92% ) – $1,098
FICA ( 7.65% ) – $2,142
Total Alabama Income Taxes ( 17.48% ) – $4,894
Annual Take-Home Pay in Alabama ( 82.52% ) – $23,106
Alaska ( $24,203 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $2,142
Total Alaska Income Taxes ( 13.56% ) – $3,797
Annual Take-Home Pay in Alaska ( 86.44% ) – $24,203
Arizona ( $23,803 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 1.43% ) – $400
FICA ( 7.65% ) – $2,142
Total Arizona Income Taxes ( 14.99% ) – $4,197
Annual Take-Home Pay in Arizona ( 85.01% ) – $23,803
Arkansas ( $23,521 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 2.44% ) – $682
FICA ( 7.65% ) – $2,142
Total Arkansas Income Taxes ( 16.00% ) – $4,479
Annual Take-Home Pay in Arkansas ( 84.00% ) – $23,521
California ( $23,811 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 1.40% ) – $392
FICA ( 7.65% ) – $2,142
Total California Income Taxes ( 14.96% ) – $4,189
Annual Take-Home Pay in California ( 85.04% ) – $23,811
Colorado ( $23,500 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 2.51% ) – $703
FICA ( 7.65% ) – $2,142
Total Colorado Income Taxes ( 16.07% ) – $4,500
Annual Take-Home Pay in Colorado ( 83.93% ) – $23,500
Connecticut ( $23,752 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 1.61% ) – $451
FICA ( 7.65% ) – $2,142
Total Connecticut Income Taxes ( 15.17% ) – $4,248
Annual Take-Home Pay in Connecticut ( 84.83% ) – $23,752
Delaware ( $23,215 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 3.53% ) – $988
FICA ( 7.65% ) – $2,142
Total Delaware Income Taxes ( 17.09% ) – $4,785
Annual Take-Home Pay in Delaware ( 82.91% ) – $23,215
Florida ( $24,203 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $2,142
Total Florida Income Taxes ( 13.56% ) – $3,797
Annual Take-Home Pay in Florida ( 86.44% ) – $24,203
Georgia ( $23,185 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 3.63% ) – $1,018
FICA ( 7.65% ) – $2,142
Total Georgia Income Taxes ( 17.19% ) – $4,815
Annual Take-Home Pay in Georgia ( 82.81% ) – $23,185
Hawaii ( $22,800 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 5.01% ) – $1,403
FICA ( 7.65% ) – $2,142
Total Hawaii Income Taxes ( 18.57% ) – $5,200
Annual Take-Home Pay in Hawaii ( 81.43% ) – $22,800
Idaho ( $23,445 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 2.71% ) – $758
FICA ( 7.65% ) – $2,142
Total Idaho Income Taxes ( 16.27% ) – $4,555
Annual Take-Home Pay in Idaho ( 83.73% ) – $23,445
Illinois ( $22,935 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 4.53% ) – $1,268
FICA ( 7.65% ) – $2,142
Total Illinois Income Taxes ( 18.09% ) – $5,065
Annual Take-Home Pay in Illinois ( 81.91% ) – $22,935
Indiana ( $23,331 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 3.11% ) – $872
FICA ( 7.65% ) – $2,142
Total Indiana Income Taxes ( 16.67% ) – $4,669
Annual Take-Home Pay in Indiana ( 83.33% ) – $23,331
Iowa ( $23,262 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 3.36% ) – $941
FICA ( 7.65% ) – $2,142
Total Iowa Income Taxes ( 16.92% ) – $4,738
Annual Take-Home Pay in Iowa ( 83.08% ) – $23,262
Kansas ( $23,331 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 3.11% ) – $872
FICA ( 7.65% ) – $2,142
Total Kansas Income Taxes ( 16.67% ) – $4,669
Annual Take-Home Pay in Kansas ( 83.33% ) – $23,331
More About Salaries: $23,000 a Year
Kentucky ( $22,938 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 4.52% ) – $1,266
FICA ( 7.65% ) – $2,142
Total Kentucky Income Taxes ( 18.08% ) – $5,062
Annual Take-Home Pay in Kentucky ( 81.92% ) – $22,938
Louisiana ( $23,621 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 2.08% ) – $582
FICA ( 7.65% ) – $2,142
Total Louisiana Income Taxes ( 15.64% ) – $4,379
Annual Take-Home Pay in Louisiana ( 84.36% ) – $23,621
Maine ( $23,556 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 2.31% ) – $647
FICA ( 7.65% ) – $2,142
Total Maine Income Taxes ( 15.87% ) – $4,444
Annual Take-Home Pay in Maine ( 84.13% ) – $23,556
Maryland ( $23,324 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 3.14% ) – $879
FICA ( 7.65% ) – $2,142
Total Maryland Income Taxes ( 16.70% ) – $4,676
Annual Take-Home Pay in Maryland ( 83.30% ) – $23,324
Massachusetts ( $23,023 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 4.21% ) – $1,180
FICA ( 7.65% ) – $2,142
Total Massachusetts Income Taxes ( 17.77% ) – $4,977
Annual Take-Home Pay in Massachusetts ( 82.23% ) – $23,023
Michigan ( $23,221 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 3.51% ) – $982
FICA ( 7.65% ) – $2,142
Total Michigan Income Taxes ( 17.07% ) – $4,779
Annual Take-Home Pay in Michigan ( 82.93% ) – $23,221
Minnesota ( $23,375 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 2.96% ) – $828
FICA ( 7.65% ) – $2,142
Total Minnesota Income Taxes ( 16.52% ) – $4,625
Annual Take-Home Pay in Minnesota ( 83.48% ) – $23,375
Mississippi ( $23,458 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 2.66% ) – $745
FICA ( 7.65% ) – $2,142
Total Mississippi Income Taxes ( 16.22% ) – $4,542
Annual Take-Home Pay in Mississippi ( 83.78% ) – $23,458
Missouri ( $23,646 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 1.99% ) – $557
FICA ( 7.65% ) – $2,142
Total Missouri Income Taxes ( 15.55% ) – $4,354
Annual Take-Home Pay in Missouri ( 84.45% ) – $23,646
Montana ( $23,442 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 2.72% ) – $762
FICA ( 7.65% ) – $2,142
Total Montana Income Taxes ( 16.28% ) – $4,558
Annual Take-Home Pay in Montana ( 83.72% ) – $23,442
Nebraska ( $23,492 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 2.54% ) – $711
FICA ( 7.65% ) – $2,142
Total Nebraska Income Taxes ( 16.10% ) – $4,508
Annual Take-Home Pay in Nebraska ( 83.90% ) – $23,492
Nevada ( $24,203 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $2,142
Total Nevada Income Taxes ( 13.56% ) – $3,797
Annual Take-Home Pay in Nevada ( 86.44% ) – $24,203
New Hampshire ( $24,203 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $2,142
Total New Hampshire Income Taxes ( 13.56% ) – $3,797
Annual Take-Home Pay in New Hampshire ( 86.44% ) – $24,203
New Jersey ( $23,801 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 1.44% ) – $403
FICA ( 7.65% ) – $2,142
Total New Jersey Income Taxes ( 15.00% ) – $4,199
Annual Take-Home Pay in New Jersey ( 85.00% ) – $23,801
New Mexico ( $23,725 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 1.71% ) – $479
FICA ( 7.65% ) – $2,142
Total New Mexico Income Taxes ( 15.27% ) – $4,275
Annual Take-Home Pay in New Mexico ( 84.73% ) – $23,725
New York ( $23,247 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 3.42% ) – $956
FICA ( 7.65% ) – $2,142
Total New York Income Taxes ( 16.98% ) – $4,753
Annual Take-Home Pay in New York ( 83.02% ) – $23,247
Check Out This Annual Salary: $22,000 a Year
North Carolina ( $23,298 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 3.23% ) – $906
FICA ( 7.65% ) – $2,142
Total North Carolina Income Taxes ( 16.79% ) – $4,702
Annual Take-Home Pay in North Carolina ( 83.21% ) – $23,298
North Dakota ( $24,033 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 0.61% ) – $170
FICA ( 7.65% ) – $2,142
Total North Dakota Income Taxes ( 14.17% ) – $3,967
Annual Take-Home Pay in North Dakota ( 85.83% ) – $24,033
Ohio ( $24,171 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 0.11% ) – $32
FICA ( 7.65% ) – $2,142
Total Ohio Income Taxes ( 13.67% ) – $3,829
Annual Take-Home Pay in Ohio ( 86.33% ) – $24,171
Oklahoma ( $23,359 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 3.01% ) – $844
FICA ( 7.65% ) – $2,142
Total Oklahoma Income Taxes ( 16.57% ) – $4,641
Annual Take-Home Pay in Oklahoma ( 83.43% ) – $23,359
Oregon ( $22,249 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 6.98% ) – $1,954
FICA ( 7.65% ) – $2,142
Total Oregon Income Taxes ( 20.54% ) – $5,751
Annual Take-Home Pay in Oregon ( 79.46% ) – $22,249
Pennsylvania ( $23,344 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 3.07% ) – $860
FICA ( 7.65% ) – $2,142
Total Pennsylvania Income Taxes ( 16.63% ) – $4,656
Annual Take-Home Pay in Pennsylvania ( 83.37% ) – $23,344
Rhode Island ( $23,659 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 1.94% ) – $544
FICA ( 7.65% ) – $2,142
Total Rhode Island Income Taxes ( 15.50% ) – $4,341
Annual Take-Home Pay in Rhode Island ( 84.50% ) – $23,659
South Carolina ( $23,661 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 1.94% ) – $543
FICA ( 7.65% ) – $2,142
Total South Carolina Income Taxes ( 15.50% ) – $4,339
Annual Take-Home Pay in South Carolina ( 84.50% ) – $23,661
South Dakota ( $24,203 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $2,142
Total South Dakota Income Taxes ( 13.56% ) – $3,797
Annual Take-Home Pay in South Dakota ( 86.44% ) – $24,203
Tennessee ( $24,203 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $2,142
Total Tennessee Income Taxes ( 13.56% ) – $3,797
Annual Take-Home Pay in Tennessee ( 86.44% ) – $24,203
Texas ( $24,203 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $2,142
Total Texas Income Taxes ( 13.56% ) – $3,797
Annual Take-Home Pay in Texas ( 86.44% ) – $24,203
Utah ( $22,817 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 4.95% ) – $1,386
FICA ( 7.65% ) – $2,142
Total Utah Income Taxes ( 18.51% ) – $5,183
Annual Take-Home Pay in Utah ( 81.49% ) – $22,817
Vermont ( $23,620 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 2.08% ) – $583
FICA ( 7.65% ) – $2,142
Total Vermont Income Taxes ( 15.64% ) – $4,380
Annual Take-Home Pay in Vermont ( 84.36% ) – $23,620
Virginia ( $23,163 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 3.72% ) – $1,040
FICA ( 7.65% ) – $2,142
Total Virginia Income Taxes ( 17.28% ) – $4,837
Annual Take-Home Pay in Virginia ( 82.72% ) – $23,163
Washington ( $24,203 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $2,142
Total Washington Income Taxes ( 13.56% ) – $3,797
Annual Take-Home Pay in Washington ( 86.44% ) – $24,203
West Virginia ( $23,258 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 3.38% ) – $945
FICA ( 7.65% ) – $2,142
Total West Virginia Income Taxes ( 16.94% ) – $4,742
Annual Take-Home Pay in West Virginia ( 83.07% ) – $23,258
Wisconsin ( $23,478 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 2.59% ) – $725
FICA ( 7.65% ) – $2,142
Total Wisconsin Income Taxes ( 16.15% ) – $4,522
Annual Take-Home Pay in Wisconsin ( 83.85% ) – $23,478
Wyoming ( $24,203 )
Federal Income Tax ( 5.91% ) – $1,655
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $2,142
Total Wyoming Income Taxes ( 13.56% ) – $3,797
Annual Take-Home Pay in Wyoming ( 86.44% ) – $24,203
Summary
Here is a quick recap on how you can figure out how much $28,000 a year is hourly, monthly, biweekly, weekly, and daily.
When finding out how much $28,000 a year is per hour, you take $28,000 and divide it by 40 hours and 52 weeks.
When calculating the monthly income for 28,000 dollars a year, you take 28,000 dollars and divide it by 40 hours and 4 weeks.
To find out how much $28,000 a year is biweekly, take $28,000 and divide it by 40 hours and 2 weeks.
For weekly, you take $28,000 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 $28,000 a year is daily, you take $28,000 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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