$10 an Hour Is How Much a Year?
- Federal income tax$4702.3%
- FICA — Social Security + Medicare$1,5917.6%
- Take-home pay$18,73990.1%
At 40 hours a week and 52 weeks a year — 2,080 paid hours — $10 an hour is $20,800 a year. Federal income tax and FICA take about $2,061, so you keep roughly $18,739 a year, or $1,562 a month and $721 per biweekly check. That is before any state income tax.
The same $10, at different hours
"How much a year" depends entirely on how many hours you actually get. The table below re-runs the whole calculation for each schedule instead of scaling the 40-hour answer, because federal tax is progressive: a 30-hour week lands in a lower bracket and keeps a bigger share of each dollar. Hours above 40 are paid at 1.5× under the FLSA.
| Hours a week | Weekly gross | Annual gross | Annual after tax | Monthly after tax |
|---|---|---|---|---|
| 20 | $200 | $10,400 | $9,604 | $800 |
| 30 | $300 | $15,600 | $14,407 | $1,201 |
| 35 | $350 | $18,200 | $16,598 | $1,383 |
| 40 (full time) | $400 | $20,800 | $18,739 | $1,562 |
| 45 (incl. OT) | $475 | $24,700 | $21,950 | $1,829 |
| 50 (incl. OT) | $550 | $28,600 | $25,160 | $2,097 |
| 55 (incl. OT) | $625 | $32,500 | $28,294 | $2,358 |
Overtime rows assume time-and-a-half above 40 hours, which is the federal floor. A union contract, a state law or a company policy can set a higher multiplier; none of them can set a lower one.
Where the $20,800 goes
| Line | Annual | Share of gross |
|---|---|---|
| Gross pay | $20,800 | 100.0% |
| Federal income tax | -$470 | 2.3% |
| Social Security | -$1,290 | 6.2% |
| Medicare | -$302 | 1.5% |
| Federal only state income tax | -$0 | 0.0% |
| Take-home pay | $18,739 | 90.1% |
Social Security is 6.2% of the first $184,500 of wages, so it stops mid-year for high earners and never stops at this level. Medicare is 1.5% with no cap. Federal income tax is progressive: with the $16,100 standard deduction, a single filer at this income sits in the 10.0% bracket at the margin, not at 9.9%.
State tax on $20,800: three reference states
State income tax is the one layer this page cannot settle for you, so here is the same salary in three states with very different rules — no income tax, a progressive coastal state, and a progressive state with city tax on top.
| State | State + local tax | Annual after everything | Monthly |
|---|---|---|---|
| Texas | None | $18,739 | $1,562 |
| California | $296 | $18,443 | $1,537 |
| New York | $529 | $18,210 | $1,517 |
The state rows link to the nearest salary page that exists for that state (the ladder runs in $25,000 steps at the bottom and $10,000 steps higher up). City taxes (New York City, for example) are added inside the state figure.
Overtime is where hourly pay actually compounds
At $10 an hour, 40 hours pays $400 a week. Five hours of overtime pays those five hours at $15.00 each, so a 45-hour week is $475 — $75 more than the same job at 40 hours. A 50-hour week is $550, which is 37.5% more gross for 25.0% more hours.
Two catches. First, overtime is paid on hours actually worked, so a salary offer of $20,800 for the same job is not the same deal if you regularly work 45 hours — as an exempt salaried employee you would get nothing extra for those five. Second, overtime is ordinary wages for tax purposes: it pushes you up the brackets, so the 37.5% gross premium does not translate into the same percentage of take-home.
What unpaid weeks do to the yearly number
| Paid weeks | Annual gross | Annual after tax | Difference from 52 weeks |
|---|---|---|---|
| 52 | $20,800 | $18,739 | — |
| 50 | $20,000 | $18,080 | −$659 |
| 48 | $19,200 | $17,421 | −$1,318 |
Hourly work has no paid vacation by default. Two weeks unpaid costs $659 of take-home, not $800 of gross — the tax you no longer owe comes back to you.
Nearby hourly rates
Questions people ask about $10 an hour
Is $10 an hour a good wage?
This page does arithmetic, not judgement. What it can tell you: $20,800 a year before tax, $18,739 after federal tax and FICA, $1,562 a month. Whether that is enough depends on rent where you live and how many hours you actually get — and hourly work has no paid time off, so the yearly figure assumes you are paid for all 52 weeks.
How many hours is "a year" at $10 an hour?
2,080 hours, from 40 hours a week times 52 weeks. That convention is why 40-hour payroll is usually quoted as 2,080 hours a year, and why a full-time salary divided by 2,080 gives the hourly equivalent.
Does $10 an hour become a different number with overtime?
Yes, and the table above shows both. Five hours of overtime a week at 1.5× adds $75 a week, or $3,900 a year before tax. Nothing in the tax code treats overtime differently — it is ordinary wages, taxed at the margin.
Why is the after-tax number different from what my paycheck shows?
Three usual reasons: your state withholds its own income tax (this page is federal-only until the state table further up), you contribute to a 401(k) or an HSA, or your W-4 asks for extra withholding. The $24,500 401(k) limit for the year matters most: pre-tax contributions cut federal taxable income but not Social Security or Medicare.
What is $10 an hour in monthly and biweekly terms?
Monthly gross is $1,733 and monthly take-home is $1,562. Biweekly gross is $800 and biweekly take-home is $721 — that is the number that matches most pay stubs, since 26 checks a year is not 24.
Sources
- IRS Publication 15 (Circular E) — federal withholding tables and FICA rates.
- Social Security Administration — annual wage base for Social Security withholding.
- US Department of Labor, Wage and Hour Division — FLSA overtime at 1.5× above 40 hours.
- State income tax brackets from each state's published 2026 table; the three states above are linked, and all 51 jurisdictions are in the state index.
Single filer, standard deduction, no pre-tax contributions, no credits beyond the standard deduction. Educational estimate, not tax advice.