$38,000 a Year is How Much an Hour? (Before and After Taxes)

Person working on a computer making $38,000 a year.

So you found out you will soon make $38,000 a year from your new promotion or job. But $38,000 a year is how much an hour?

Below you will find how much $38,000 is hourly, daily, weekly, biweekly, monthly, and even after taxes. There’s also an example budget you can use when making $38,000 a year.

To figure out how much $38,000 a year is as an hourly wage, divide $38,000 by 40 hours and 52 weeks. So if you were to work full-time, 40 hours a week, making $38,000 a year, you would earn $18.27 an hour.

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Comparison Table of $38,000 a Year (Before & After Taxes)

Here is a comparison table of the pretax and after-tax income of $38,000 a year:

$38,000 a YearPretax IncomeAfter-Tax Income
Yearly (52 Weeks)$38,000$28,500
Monthly (160 Hours)$2,923.08$2,192.31
Biweekly (80 Hours)$1,461.54$1,096.15
Weekly (40 Hours)$730.77$548.08
Daily (8 Hours)$146.15$109.62
Hourly (1 Hour)$18.27$13.70

$38,000 a Year is How Much an Hour?

If you make $38,000 a year, your hourly wage would be $18.27. This is calculated by dividing the $38,000 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 $38,000 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 ($18.27) changing slightly.

Find Out: $37,000 a Year

$38,000 a Year is How Much an Hour After Taxes?

If you make $38,000 a year, you would take home $13.70 an hour after taxes. Your pre-tax hourly wage was $18.27. But after paying 25% in taxes, your after-tax hourly wage would be $13.70 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 $38,000 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.

38,000 Dollars a Year is How Much After Taxes?

Anyone making $38,000 a year will have an after-tax income of $28,500. This number is calculated by assuming you will pay around 25% of your income towards taxes.

When you’re earning 38,000 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 $28,500, 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 a 38,000 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.

$38,000 a Year is How Much a Month?

If you make $38,000 a year, you will make $2,923.08 a month before taxes, assuming you are working full-time. Each month after taxes, you will make approximately $2,192.31.

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 $2,923.08.

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 $18.27 an hour.

Learn More: $36,000 a Year

$38,000 a Year is How Much Biweekly?

$38,000 a year is $1,461.54 biweekly before taxes and approximately $1,096.15 after taxes. Paying a tax rate of 25% and working full-time at 40 hours a week, you would earn $1,096.15 after taxes.

To calculate how much you make biweekly before taxes, you would multiply the hourly wage for $38,000 a year, $18.27 by 80 hours to get $1,461.54.

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 $1,461.54 each paycheck before taxes and $1,096.15 after taxes.

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$38,000 a Year is How Much a Week?

If you make $38,000 a year, you will get paid $730.77 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 $18.27 an hour, you get $730.77, your weekly income.

See: $35,000 a Year

38,000 Dollars a Year is How Much a Day?

$38,000 a year is $146.15 per day before taxes. The standard workday is 8 hours. So by multiplying 8 hours by $18.27 an hour, you would earn $146.15 every day. After taxes, you would earn $109.62 a day.

Tools You Need to Live on $38,000 a Year

So you’re earning $38,000 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 $38,000. 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 $38,000 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 $38,000 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 $38,000 a year or $18.27 an hour is approximately $2,192.31 a month.

You then will need to split that $2,192.31 after-tax income into different categories. These categories represent your expenses, savings, and investments. If you make $38,000 a year, this is an example of what your monthly budget can look like:

CategoryBudget AmountPercentage
Housing$657.6930%
Saving and Investing$328.8515%
Insurance$328.8515%
Food$219.2310%
Transportation$219.2310%
Entertainment and Recreation$219.2310%
Personal Expenses$109.625%
Utilities$109.625%
Total$2,192.31100%

Is $38,000 a Year a Good Salary?

A $38,000 salary is significantly lower than the average salary in the United States. In America, the average annual salary is $53,490.

So if you make $38,000 a year, you are making $15,490 less than the average U.S. salary.

Look: $34,000 a Year

$38,000 a Year Salary After Taxes in 2022 (By State)

Here is your estimated $38,000 a year salary after taxes in 2022 for each state. Your after-tax income will change based on state taxes.

Alabama ( $30,696 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 4.06% ) – $1,543

FICA ( 7.65% ) – $2,907

Total Alabama Income Taxes ( 19.22% ) – $7,304

Annual Take-Home Pay in Alabama ( 80.78% ) – $30,696

Alaska ( $32,239 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $2,907

Total Alaska Income Taxes ( 15.16% ) – $5,761

Annual Take-Home Pay in Alaska ( 84.84% ) – $32,239

Arizona ( $31,580 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 1.73% ) – $659

FICA ( 7.65% ) – $2,907

Total Arizona Income Taxes ( 16.89% ) – $6,420

Annual Take-Home Pay in Arizona ( 83.11% ) – $31,580

Arkansas ( $31,057 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.11% ) – $1,182

FICA ( 7.65% ) – $2,907

Total Arkansas Income Taxes ( 18.27% ) – $6,943

Annual Take-Home Pay in Arkansas ( 81.73% ) – $31,057

California ( $31,447 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 2.09% ) – $792

FICA ( 7.65% ) – $2,907

Total California Income Taxes ( 17.25% ) – $6,553

Annual Take-Home Pay in California ( 82.75% ) – $31,447

Colorado ( $31,081 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.05% ) – $1,158

FICA ( 7.65% ) – $2,907

Total Colorado Income Taxes ( 18.21% ) – $6,919

Annual Take-Home Pay in Colorado ( 81.79% ) – $31,081

Connecticut ( $30,890 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.55% ) – $1,349

FICA ( 7.65% ) – $2,907

Total Connecticut Income Taxes ( 18.71% ) – $7,110

Annual Take-Home Pay in Connecticut ( 81.29% ) – $30,890

Delaware ( $30,697 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 4.06% ) – $1,542

FICA ( 7.65% ) – $2,907

Total Delaware Income Taxes ( 19.22% ) – $7,303

Annual Take-Home Pay in Delaware ( 80.78% ) – $30,697

Florida ( $32,239 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $2,907

Total Florida Income Taxes ( 15.16% ) – $5,761

Annual Take-Home Pay in Florida ( 84.84% ) – $32,239

Georgia ( $30,646 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 4.19% ) – $1,593

FICA ( 7.65% ) – $2,907

Total Georgia Income Taxes ( 19.35% ) – $7,354

Annual Take-Home Pay in Georgia ( 80.65% ) – $30,646

Hawaii ( $30,076 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 5.69% ) – $2,163

FICA ( 7.65% ) – $2,907

Total Hawaii Income Taxes ( 20.85% ) – $7,924

Annual Take-Home Pay in Hawaii ( 79.15% ) – $30,076

Idaho ( $30,831 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.71% ) – $1,408

FICA ( 7.65% ) – $2,907

Total Idaho Income Taxes ( 18.87% ) – $7,169

Annual Take-Home Pay in Idaho ( 81.13% ) – $30,831

Illinois ( $30,476 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 4.64% ) – $1,763

FICA ( 7.65% ) – $2,907

Total Illinois Income Taxes ( 19.80% ) – $7,524

Annual Take-Home Pay in Illinois ( 80.20% ) – $30,476

Indiana ( $31,044 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.15% ) – $1,195

FICA ( 7.65% ) – $2,907

Total Indiana Income Taxes ( 18.31% ) – $6,956

Annual Take-Home Pay in Indiana ( 81.70% ) – $31,044

Iowa ( $30,841 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.68% ) – $1,398

FICA ( 7.65% ) – $2,907

Total Iowa Income Taxes ( 18.84% ) – $7,159

Annual Take-Home Pay in Iowa ( 81.16% ) – $30,841

Kansas ( $30,830 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.71% ) – $1,409

FICA ( 7.65% ) – $2,907

Total Kansas Income Taxes ( 18.87% ) – $7,170

Annual Take-Home Pay in Kansas ( 81.13% ) – $30,830

More About Salaries: $33,000 a Year

Kentucky ( $30,474 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 4.65% ) – $1,766

FICA ( 7.65% ) – $2,907

Total Kentucky Income Taxes ( 19.81% ) – $7,526

Annual Take-Home Pay in Kentucky ( 80.19% ) – $30,474

Louisiana ( $31,304 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 2.46% ) – $935

FICA ( 7.65% ) – $2,907

Total Louisiana Income Taxes ( 17.62% ) – $6,696

Annual Take-Home Pay in Louisiana ( 82.38% ) – $31,304

Maine ( $31,012 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.23% ) – $1,227

FICA ( 7.65% ) – $2,907

Total Maine Income Taxes ( 18.39% ) – $6,988

Annual Take-Home Pay in Maine ( 81.61% ) – $31,012

Maryland ( $30,886 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.56% ) – $1,353

FICA ( 7.65% ) – $2,907

Total Maryland Income Taxes ( 18.72% ) – $7,114

Annual Take-Home Pay in Maryland ( 81.28% ) – $30,886

Massachusetts ( $30,559 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 4.42% ) – $1,680

FICA ( 7.65% ) – $2,907

Total Massachusetts Income Taxes ( 19.58% ) – $7,441

Annual Take-Home Pay in Massachusetts ( 80.42% ) – $30,559

Michigan ( $30,832 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.70% ) – $1,407

FICA ( 7.65% ) – $2,907

Total Michigan Income Taxes ( 18.86% ) – $7,168

Annual Take-Home Pay in Michigan ( 81.14% ) – $30,832

Minnesota ( $30,876 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.59% ) – $1,363

FICA ( 7.65% ) – $2,907

Total Minnesota Income Taxes ( 18.75% ) – $7,124

Annual Take-Home Pay in Minnesota ( 81.25% ) – $30,876

Mississippi ( $30,994 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.28% ) – $1,245

FICA ( 7.65% ) – $2,907

Total Mississippi Income Taxes ( 18.44% ) – $7,006

Annual Take-Home Pay in Mississippi ( 81.56% ) – $30,994

Missouri ( $31,209 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 2.71% ) – $1,030

FICA ( 7.65% ) – $2,907

Total Missouri Income Taxes ( 17.87% ) – $6,791

Annual Take-Home Pay in Missouri ( 82.13% ) – $31,209

Montana ( $30,871 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.60% ) – $1,368

FICA ( 7.65% ) – $2,907

Total Montana Income Taxes ( 18.76% ) – $7,129

Annual Take-Home Pay in Montana ( 81.24% ) – $30,871

Nebraska ( $31,027 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.19% ) – $1,212

FICA ( 7.65% ) – $2,907

Total Nebraska Income Taxes ( 18.35% ) – $6,973

Annual Take-Home Pay in Nebraska ( 81.65% ) – $31,027

Nevada ( $32,239 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $2,907

Total Nevada Income Taxes ( 15.16% ) – $5,761

Annual Take-Home Pay in Nevada ( 84.84% ) – $32,239

New Hampshire ( $32,239 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $2,907

Total New Hampshire Income Taxes ( 15.16% ) – $5,761

Annual Take-Home Pay in New Hampshire ( 84.84% ) – $32,239

New Jersey ( $31,627 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 1.61% ) – $613

FICA ( 7.65% ) – $2,907

Total New Jersey Income Taxes ( 16.77% ) – $6,373

Annual Take-Home Pay in New Jersey ( 83.23% ) – $31,627

New Mexico ( $31,272 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 2.55% ) – $968

FICA ( 7.65% ) – $2,907

Total New Mexico Income Taxes ( 17.71% ) – $6,728

Annual Take-Home Pay in New Mexico ( 82.29% ) – $31,272

New York ( $30,698 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 4.06% ) – $1,541

FICA ( 7.65% ) – $2,907

Total New York Income Taxes ( 19.22% ) – $7,302

Annual Take-Home Pay in New York ( 80.78% ) – $30,698

Check Out This Annual Salary: $32,000 a Year

North Carolina ( $30,809 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.76% ) – $1,431

FICA ( 7.65% ) – $2,907

Total North Carolina Income Taxes ( 18.92% ) – $7,191

Annual Take-Home Pay in North Carolina ( 81.08% ) – $30,809

North Dakota ( $31,959 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 0.74% ) – $280

FICA ( 7.65% ) – $2,907

Total North Dakota Income Taxes ( 15.90% ) – $6,041

Annual Take-Home Pay in North Dakota ( 84.10% ) – $31,959

Ohio ( $31,931 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 0.81% ) – $308

FICA ( 7.65% ) – $2,907

Total Ohio Income Taxes ( 15.97% ) – $6,069

Annual Take-Home Pay in Ohio ( 84.03% ) – $31,931

Oklahoma ( $30,895 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.54% ) – $1,344

FICA ( 7.65% ) – $2,907

Total Oklahoma Income Taxes ( 18.70% ) – $7,105

Annual Take-Home Pay in Oklahoma ( 81.30% ) – $30,895

Oregon ( $29,416 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 7.43% ) – $2,823

FICA ( 7.65% ) – $2,907

Total Oregon Income Taxes ( 22.59% ) – $8,584

Annual Take-Home Pay in Oregon ( 77.41% ) – $29,416

Pennsylvania ( $31,073 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.07% ) – $1,167

FICA ( 7.65% ) – $2,907

Total Pennsylvania Income Taxes ( 18.23% ) – $6,927

Annual Take-Home Pay in Pennsylvania ( 81.77% ) – $31,073

Rhode Island ( $31,320 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 2.42% ) – $919

FICA ( 7.65% ) – $2,907

Total Rhode Island Income Taxes ( 17.58% ) – $6,680

Annual Take-Home Pay in Rhode Island ( 82.42% ) – $31,320

South Carolina ( $31,003 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.25% ) – $1,237

FICA ( 7.65% ) – $2,907

Total South Carolina Income Taxes ( 18.41% ) – $6,997

Annual Take-Home Pay in South Carolina ( 81.59% ) – $31,003

South Dakota ( $32,239 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $2,907

Total South Dakota Income Taxes ( 15.16% ) – $5,761

Annual Take-Home Pay in South Dakota ( 84.84% ) – $32,239

Tennessee ( $32,239 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $2,907

Total Tennessee Income Taxes ( 15.16% ) – $5,761

Annual Take-Home Pay in Tennessee ( 84.84% ) – $32,239

Texas ( $32,239 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $2,907

Total Texas Income Taxes ( 15.16% ) – $5,761

Annual Take-Home Pay in Texas ( 84.84% ) – $32,239

Utah ( $30,358 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 4.95% ) – $1,881

FICA ( 7.65% ) – $2,907

Total Utah Income Taxes ( 20.11% ) – $7,642

Annual Take-Home Pay in Utah ( 79.89% ) – $30,358

Vermont ( $31,321 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 2.42% ) – $918

FICA ( 7.65% ) – $2,907

Total Vermont Income Taxes ( 17.58% ) – $6,679

Annual Take-Home Pay in Vermont ( 82.42% ) – $31,321

Virginia ( $30,624 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 4.25% ) – $1,615

FICA ( 7.65% ) – $2,907

Total Virginia Income Taxes ( 19.41% ) – $7,376

Annual Take-Home Pay in Virginia ( 80.59% ) – $30,624

Washington ( $32,239 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $2,907

Total Washington Income Taxes ( 15.16% ) – $5,761

Annual Take-Home Pay in Washington ( 84.84% ) – $32,239

West Virginia ( $30,844 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.67% ) – $1,395

FICA ( 7.65% ) – $2,907

Total West Virginia Income Taxes ( 18.83% ) – $7,156

Annual Take-Home Pay in West Virginia ( 81.17% ) – $30,844

Wisconsin ( $30,959 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 3.37% ) – $1,281

FICA ( 7.65% ) – $2,907

Total Wisconsin Income Taxes ( 18.53% ) – $7,041

Annual Take-Home Pay in Wisconsin ( 81.47% ) – $30,959

Wyoming ( $32,239 )

Federal Income Tax ( 7.51% ) – $2,854

State Income Tax ( 0.00% ) – $0

FICA ( 7.65% ) – $2,907

Total Wyoming Income Taxes ( 15.16% ) – $5,761

Annual Take-Home Pay in Wyoming ( 84.84% ) – $32,239

Summary

Here is a quick recap on how you can figure out how much $38,000 a year is hourly, monthly, biweekly, weekly, and daily.

When finding out how much $38,000 a year is per hour, you take $38,000 and divide it by 40 hours and 52 weeks.

When calculating the monthly income for 38,000 dollars a year, you take 38,000 dollars and divide it by 40 hours and 4 weeks.

To find out how much $38,000 a year is biweekly, take $38,000 and divide it by 40 hours and 2 weeks.

For weekly, you take $38,000 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 $38,000 a year is daily, you take $38,000 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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