So you found out you will soon be getting a new job or raise and will be making $21,000 a year. But $21,000 a year is how much an hour?
Below you will find how much $21,000 is hourly, daily, weekly, biweekly, monthly, and even after taxes. There’s also an example budget you can use when making $21,000 a year.
To figure out how much $21,000 a year is as an hourly wage, divide $21,000 by 40 hours and 52 weeks. So if you were to work full-time, 40 hours a week, making $21,000 a year, you would earn $10.10 an hour.
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Comparison Table of $21,000 a Year (Before & After Taxes)
Here is a comparison table of the pretax and after-tax income of $21,000 a year:
| $21,000 a Year | Pretax Income | After-Tax Income |
|---|---|---|
| Yearly (52 Weeks) | $21,000 | $15,750 |
| Monthly (160 Hours) | $1,615.38 | $1,211.54 |
| Biweekly (80 Hours) | $807.69 | $605.77 |
| Weekly (40 Hours) | $403.85 | $302.88 |
| Daily (8 Hours) | $80.77 | $60.58 |
| Hourly (1 Hour) | $10.10 | $7.57 |
$21,000 a Year is How Much an Hour?
If you make $21,000 a year, your hourly wage would be $10.10. This is calculated by dividing the $21,000 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 $21,000 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 ($10.10) changing slightly.
Find Out: $20,000 a Year
$21,000 a Year is How Much an Hour After Taxes?
If you make $21,000 a year, you would take home $7.57 an hour after taxes. Your pre-tax hourly wage was $10.10. But after paying 25% in taxes, your after-tax hourly wage would be $7.57 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 $21,000 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.
21,000 Dollars a Year is How Much After Taxes?
Anyone making $21,000 a year will have an after-tax income of $15,750. This number is calculated by assuming you will pay around 25% of your income towards taxes.
When you’re earning 21,000 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 $15,750, 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 21,000 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.
$21,000 a Year is How Much a Month?
If you make $21,000 a year, you will make $1,615.38 a month before taxes, assuming you are working full-time. Each month after taxes, you will make approximately $1,211.54.
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 $1,615.38.
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 $10.10 an hour.
Learn More: $19,000 a Year
$21,000 a Year is How Much Biweekly?
$21,000 a year is $807.69 biweekly before taxes and approximately $605.77 after taxes. Paying a tax rate of 25% and working full-time at 40 hours a week, you would earn $605.77 after taxes.
To calculate how much you make biweekly before taxes, you would multiply the hourly wage for $21,000 a year, $10.10 by 80 hours to get $807.69.
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 $807.69 each paycheck before taxes and $605.77 after taxes.
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$21,000 a Year is How Much a Week?
If you make $21,000 a year, you will get paid $403.85 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 $10.10 an hour, you get $403.85, your weekly income.
See: $18,000 a Year
21,000 Dollars a Year is How Much a Day?
$21,000 a year is $80.77 per day before taxes. The standard workday is 8 hours. So by multiplying 8 hours by $10.10 an hour, you would earn $80.77 every day. After taxes, you would earn $60.58 a day.
Tools You Need to Live on $21,000 a Year
So you’re earning $21,000 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 $21,000. 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 $21,000 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 $21,000 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 $21,000 a year or $10.10 an hour is approximately $1,211.54 a month.
You then will need to split that $1,211.54 after-tax income into different categories. These categories represent your expenses, savings, and investments. If you make $21,000 a year, this is an example of what your monthly budget can look like:
| Category | Budget Amount | Percentage |
|---|---|---|
| Housing | $346.15 | 30% |
| Saving and Investing | $173.08 | 15% |
| Insurance | $173.08 | 15% |
| Food | $115.38 | 10% |
| Transportation | $115.38 | 10% |
| Entertainment and Recreation | $115.38 | 10% |
| Personal Expenses | $60.58 | 5% |
| Utilities | $60.58 | 5% |
| Total | $1,211.54 | 100% |
Is $21,000 a Year a Good Salary?
A $21,000 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 $21,000 a year, you are making $32,490 less than the average U.S. salary.
Look: $17,000 a Year
$21,000 a Year Salary After Taxes in 2022 (By State)
Here is your estimated $21,000 a year salary after taxes in 2022 for each state. Your after-tax income will change based on state taxes.
Alabama ( $17,779 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 3.67% ) – $771
FICA ( 7.65% ) – $1,607
Total Alabama Income Taxes ( 15.34% ) – $3,221
Annual Take-Home Pay in Alabama ( 84.66% ) – $17,779
Alaska ( $18,549 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $1,607
Total Alaska Income Taxes ( 11.67% ) – $2,451
Annual Take-Home Pay in Alaska ( 88.33% ) – $18,549
Arizona ( $18,330 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 1.04% ) – $219
FICA ( 7.65% ) – $1,607
Total Arizona Income Taxes ( 12.71% ) – $2,670
Annual Take-Home Pay in Arizona ( 87.29% ) – $18,330
Arkansas ( $18,152 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 1.89% ) – $398
FICA ( 7.65% ) – $1,607
Total Arkansas Income Taxes ( 13.56% ) – $2,848
Annual Take-Home Pay in Arkansas ( 86.44% ) – $18,152
California ( $18,319 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 1.10% ) – $231
FICA ( 7.65% ) – $1,607
Total California Income Taxes ( 12.77% ) – $2,681
Annual Take-Home Pay in California ( 87.23% ) – $18,319
Colorado ( $18,165 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 1.83% ) – $384
FICA ( 7.65% ) – $1,607
Total Colorado Income Taxes ( 13.50% ) – $2,835
Annual Take-Home Pay in Colorado ( 86.50% ) – $18,165
Connecticut ( $18,369 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 0.86% ) – $181
FICA ( 7.65% ) – $1,607
Total Connecticut Income Taxes ( 12.53% ) – $2,631
Annual Take-Home Pay in Connecticut ( 87.47% ) – $18,369
Delaware ( $17,916 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 3.01% ) – $633
FICA ( 7.65% ) – $1,607
Total Delaware Income Taxes ( 14.68% ) – $3,084
Annual Take-Home Pay in Delaware ( 85.32% ) – $17,916
Florida ( $18,549 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $1,607
Total Florida Income Taxes ( 11.67% ) – $2,451
Annual Take-Home Pay in Florida ( 88.33% ) – $18,549
Georgia ( $17,934 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 2.93% ) – $615
FICA ( 7.65% ) – $1,607
Total Georgia Income Taxes ( 14.60% ) – $3,066
Annual Take-Home Pay in Georgia ( 85.40% ) – $17,934
Hawaii ( $17,646 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 4.30% ) – $903
FICA ( 7.65% ) – $1,607
Total Hawaii Income Taxes ( 15.97% ) – $3,354
Annual Take-Home Pay in Hawaii ( 84.03% ) – $17,646
Idaho ( $18,246 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 1.44% ) – $303
FICA ( 7.65% ) – $1,607
Total Idaho Income Taxes ( 13.11% ) – $2,754
Annual Take-Home Pay in Idaho ( 86.89% ) – $18,246
Illinois ( $17,627 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 4.39% ) – $922
FICA ( 7.65% ) – $1,607
Total Illinois Income Taxes ( 16.06% ) – $3,373
Annual Take-Home Pay in Illinois ( 83.94% ) – $17,627
Indiana ( $17,903 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 3.08% ) – $646
FICA ( 7.65% ) – $1,607
Total Indiana Income Taxes ( 14.75% ) – $3,097
Annual Take-Home Pay in Indiana ( 85.25% ) – $17,903
Iowa ( $17,955 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 2.83% ) – $594
FICA ( 7.65% ) – $1,607
Total Iowa Income Taxes ( 14.50% ) – $3,045
Annual Take-Home Pay in Iowa ( 85.50% ) – $17,955
Kansas ( $18,045 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 2.40% ) – $504
FICA ( 7.65% ) – $1,607
Total Kansas Income Taxes ( 14.07% ) – $2,955
Annual Take-Home Pay in Kansas ( 85.93% ) – $18,045
More About Salaries: $16,000 a Year
Kentucky ( $17,634 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 4.36% ) – $916
FICA ( 7.65% ) – $1,607
Total Kentucky Income Taxes ( 16.03% ) – $3,366
Annual Take-Home Pay in Kentucky ( 83.97% ) – $17,634
Louisiana ( $18,213 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 1.60% ) – $336
FICA ( 7.65% ) – $1,607
Total Louisiana Income Taxes ( 13.27% ) – $2,787
Annual Take-Home Pay in Louisiana ( 86.73% ) – $18,213
Maine ( $18,308 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 1.15% ) – $242
FICA ( 7.65% ) – $1,607
Total Maine Income Taxes ( 12.82% ) – $2,692
Annual Take-Home Pay in Maine ( 87.18% ) – $18,308
Maryland ( $18,003 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 2.60% ) – $546
FICA ( 7.65% ) – $1,607
Total Maryland Income Taxes ( 14.27% ) – $2,997
Annual Take-Home Pay in Maryland ( 85.73% ) – $18,003
Massachusetts ( $17,719 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 3.95% ) – $830
FICA ( 7.65% ) – $1,607
Total Massachusetts Income Taxes ( 15.62% ) – $3,281
Annual Take-Home Pay in Massachusetts ( 84.38% ) – $17,719
Michigan ( $17,865 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 3.26% ) – $684
FICA ( 7.65% ) – $1,607
Total Michigan Income Taxes ( 14.93% ) – $3,135
Annual Take-Home Pay in Michigan ( 85.07% ) – $17,865
Minnesota ( $18,096 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 2.16% ) – $453
FICA ( 7.65% ) – $1,607
Total Minnesota Income Taxes ( 13.83% ) – $2,904
Annual Take-Home Pay in Minnesota ( 86.17% ) – $18,096
Mississippi ( $18,154 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 1.88% ) – $395
FICA ( 7.65% ) – $1,607
Total Mississippi Income Taxes ( 13.55% ) – $2,846
Annual Take-Home Pay in Mississippi ( 86.45% ) – $18,154
Missouri ( $18,323 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 1.08% ) – $227
FICA ( 7.65% ) – $1,607
Total Missouri Income Taxes ( 12.75% ) – $2,678
Annual Take-Home Pay in Missouri ( 87.25% ) – $18,323
Montana ( $18,159 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 1.86% ) – $391
FICA ( 7.65% ) – $1,607
Total Montana Income Taxes ( 13.53% ) – $2,841
Annual Take-Home Pay in Montana ( 86.47% ) – $18,159
Nebraska ( $18,098 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 2.15% ) – $452
FICA ( 7.65% ) – $1,607
Total Nebraska Income Taxes ( 13.82% ) – $2,902
Annual Take-Home Pay in Nebraska ( 86.18% ) – $18,098
Nevada ( $18,549 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $1,607
Total Nevada Income Taxes ( 11.67% ) – $2,451
Annual Take-Home Pay in Nevada ( 88.33% ) – $18,549
New Hampshire ( $18,549 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $1,607
Total New Hampshire Income Taxes ( 11.67% ) – $2,451
Annual Take-Home Pay in New Hampshire ( 88.33% ) – $18,549
New Jersey ( $18,269 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 1.33% ) – $280
FICA ( 7.65% ) – $1,607
Total New Jersey Income Taxes ( 13.00% ) – $2,731
Annual Take-Home Pay in New Jersey ( 87.00% ) – $18,269
New Mexico ( $18,361 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 0.89% ) – $188
FICA ( 7.65% ) – $1,607
Total New Mexico Income Taxes ( 12.56% ) – $2,639
Annual Take-Home Pay in New Mexico ( 87.44% ) – $18,361
New York ( $17,997 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 2.63% ) – $552
FICA ( 7.65% ) – $1,607
Total New York Income Taxes ( 14.30% ) – $3,003
Annual Take-Home Pay in New York ( 85.70% ) – $17,997
Check Out This Annual Salary: $15,000 a Year
North Carolina ( $18,011 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 2.56% ) – $538
FICA ( 7.65% ) – $1,607
Total North Carolina Income Taxes ( 14.23% ) – $2,989
Annual Take-Home Pay in North Carolina ( 85.77% ) – $18,011
North Dakota ( $18,456 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 0.44% ) – $93
FICA ( 7.65% ) – $1,607
Total North Dakota Income Taxes ( 12.11% ) – $2,544
Annual Take-Home Pay in North Dakota ( 87.89% ) – $18,456
Ohio ( $18,549 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $1,607
Total Ohio Income Taxes ( 11.67% ) – $2,451
Annual Take-Home Pay in Ohio ( 88.33% ) – $18,549
Oklahoma ( $18,055 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 2.35% ) – $494
FICA ( 7.65% ) – $1,607
Total Oklahoma Income Taxes ( 14.02% ) – $2,945
Annual Take-Home Pay in Oklahoma ( 85.98% ) – $18,055
Oregon ( $17,207 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 6.39% ) – $1,342
FICA ( 7.65% ) – $1,607
Total Oregon Income Taxes ( 18.06% ) – $3,793
Annual Take-Home Pay in Oregon ( 81.94% ) – $17,207
Pennsylvania ( $17,905 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 3.07% ) – $645
FICA ( 7.65% ) – $1,607
Total Pennsylvania Income Taxes ( 14.74% ) – $3,095
Annual Take-Home Pay in Pennsylvania ( 85.26% ) – $17,905
Rhode Island ( $18,268 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 1.34% ) – $281
FICA ( 7.65% ) – $1,607
Total Rhode Island Income Taxes ( 13.01% ) – $2,732
Annual Take-Home Pay in Rhode Island ( 86.99% ) – $18,268
South Carolina ( $18,371 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 0.85% ) – $178
FICA ( 7.65% ) – $1,607
Total South Carolina Income Taxes ( 12.52% ) – $2,629
Annual Take-Home Pay in South Carolina ( 87.48% ) – $18,371
South Dakota ( $18,549 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $1,607
Total South Dakota Income Taxes ( 11.67% ) – $2,451
Annual Take-Home Pay in South Dakota ( 88.33% ) – $18,549
Tennessee ( $18,549 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $1,607
Total Tennessee Income Taxes ( 11.67% ) – $2,451
Annual Take-Home Pay in Tennessee ( 88.33% ) – $18,549
Texas ( $18,549 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $1,607
Total Texas Income Taxes ( 11.67% ) – $2,451
Annual Take-Home Pay in Texas ( 88.33% ) – $18,549
Utah ( $17,510 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 4.95% ) – $1,040
FICA ( 7.65% ) – $1,607
Total Utah Income Taxes ( 16.62% ) – $3,490
Annual Take-Home Pay in Utah ( 83.38% ) – $17,510
Vermont ( $18,201 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 1.66% ) – $348
FICA ( 7.65% ) – $1,607
Total Vermont Income Taxes ( 13.33% ) – $2,799
Annual Take-Home Pay in Vermont ( 86.67% ) – $18,201
Virginia ( $17,901 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 3.09% ) – $649
FICA ( 7.65% ) – $1,607
Total Virginia Income Taxes ( 14.76% ) – $3,099
Annual Take-Home Pay in Virginia ( 85.24% ) – $17,901
Washington ( $18,549 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $1,607
Total Washington Income Taxes ( 11.67% ) – $2,451
Annual Take-Home Pay in Washington ( 88.33% ) – $18,549
West Virginia ( $17,889 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 3.14% ) – $660
FICA ( 7.65% ) – $1,607
Total West Virginia Income Taxes ( 14.81% ) – $3,111
Annual Take-Home Pay in West Virginia ( 85.19% ) – $17,889
Wisconsin ( $18,173 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 1.79% ) – $376
FICA ( 7.65% ) – $1,607
Total Wisconsin Income Taxes ( 13.46% ) – $2,827
Annual Take-Home Pay in Wisconsin ( 86.54% ) – $18,173
Wyoming ( $18,549 )
Federal Income Tax ( 4.02% ) – $844
State Income Tax ( 0.00% ) – $0
FICA ( 7.65% ) – $1,607
Total Wyoming Income Taxes ( 11.67% ) – $2,451
Annual Take-Home Pay in Wyoming ( 88.33% ) – $18,549
Summary
Here is a quick recap on how you can figure out how much $21,000 a year is hourly, monthly, biweekly, weekly, and daily.
When finding out how much $21,000 a year is per hour, you take $21,000 and divide it by 40 hours and 52 weeks.
When calculating the monthly income for 21,000 dollars a year, you take 21,000 dollars and divide it by 40 hours and 4 weeks.
To find out how much $21,000 a year is biweekly, take $21,000 and divide it by 40 hours and 2 weeks.
For weekly, you take $21,000 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 $21,000 a year is daily, you take $21,000 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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