$20 an hour is $41,600 a year working full time, 40 hours a week for 52 weeks. That is $3,466.67 a month or $1,600.00 every two weeks before taxes. After federal income tax, Social Security and Medicare, a single filer keeps about $35,606 a year ($2,967 a month) in a state with no income tax.
| Per | Before tax | After federal tax & FICA |
|---|---|---|
| Year | $41,600.00 | $35,605.60 |
| Month | $3,466.67 | $2,967.13 |
| Two weeks | $1,600.00 | $1,369.45 |
| Week | $800.00 | $684.72 |
| Day (8 hours) | $160.00 | $136.94 |
Single filer, 2026 Form W-4 with no adjustments, paid every two weeks, no pre-tax deductions, no state income tax. Federal income tax $2,812, Social Security $2,579, Medicare $603 a year; effective rate 14.4%.
| Hours per week | Per year | Per month | After tax per year |
|---|---|---|---|
| 20 | $20,800 | $1,733 | $18,739 |
| 25 | $26,000 | $2,167 | $23,021 |
| 30 | $31,200 | $2,600 | $27,249 |
| 35 | $36,400 | $3,033 | $31,427 |
| 40 | $41,600 | $3,467 | $35,606 |
| 45 (without overtime pay) | $46,800 | $3,900 | $39,784 |
| 50 (without overtime pay) | $52,000 | $4,333 | $43,962 |
Hourly employees covered by federal law earn time and a half after 40 hours a week. At $20 an hour, each overtime hour pays $30.00; see the overtime calculator.
On $41,600 a year, take-home pay ranges from $35,606 in states without income tax on wages to $32,795 in Oregon.
| State | State tax | Take-home per year | Per month | Per hour |
|---|---|---|---|---|
| Texas | None | $35,606 | $2,967 | $17.12 |
| Florida | None | $35,606 | $2,967 | $17.12 |
| Washington | None | $35,606 | $2,967 | $17.12 |
| Tennessee | None | $35,606 | $2,967 | $17.12 |
| Nevada | None | $35,606 | $2,967 | $17.12 |
| North Dakota | $0 | $35,606 | $2,967 | $17.12 |
| Alaska | None | $35,606 | $2,967 | $17.12 |
| New Hampshire | None | $35,606 | $2,967 | $17.12 |
| South Dakota | None | $35,606 | $2,967 | $17.12 |
| Wyoming | None | $35,606 | $2,967 | $17.12 |
| Ohio | $362 | $35,244 | $2,937 | $16.94 |
| California | $653 | $34,952 | $2,913 | $16.80 |
| New Jersey | $751 | $34,855 | $2,905 | $16.76 |
| New Mexico | $822 | $34,784 | $2,899 | $16.72 |
| Arizona | $831 | $34,774 | $2,898 | $16.72 |
| Louisiana | $862 | $34,744 | $2,895 | $16.70 |
| Utah | $906 | $34,700 | $2,892 | $16.68 |
| Iowa | $929 | $34,677 | $2,890 | $16.67 |
| Mississippi | $932 | $34,674 | $2,889 | $16.67 |
| Rhode Island | $943 | $34,662 | $2,889 | $16.66 |
| Connecticut | $947 | $34,659 | $2,888 | $16.66 |
| Vermont | $960 | $34,646 | $2,887 | $16.66 |
| Nebraska | $1,013 | $34,592 | $2,883 | $16.63 |
| Missouri | $1,018 | $34,588 | $2,882 | $16.63 |
| Wisconsin | $1,049 | $34,556 | $2,880 | $16.61 |
| Idaho | $1,097 | $34,509 | $2,876 | $16.59 |
| Colorado | $1,122 | $34,484 | $2,874 | $16.58 |
| North Carolina | $1,151 | $34,454 | $2,871 | $16.56 |
| West Virginia | $1,152 | $34,453 | $2,871 | $16.56 |
| Indiana | $1,198 | $34,408 | $2,867 | $16.54 |
| Montana | $1,199 | $34,407 | $2,867 | $16.54 |
| Pennsylvania | $1,277 | $34,328 | $2,861 | $16.50 |
| Oklahoma | $1,327 | $34,279 | $2,857 | $16.48 |
| District of Columbia | $1,330 | $34,276 | $2,856 | $16.48 |
| Kentucky | $1,338 | $34,267 | $2,856 | $16.47 |
| South Carolina | $1,339 | $34,267 | $2,856 | $16.47 |
| Minnesota | $1,407 | $34,199 | $2,850 | $16.44 |
| Arkansas | $1,410 | $34,196 | $2,850 | $16.44 |
| Michigan | $1,517 | $34,088 | $2,841 | $16.39 |
| Kansas | $1,522 | $34,084 | $2,840 | $16.39 |
| Georgia | $1,536 | $34,069 | $2,839 | $16.38 |
| Virginia | $1,578 | $34,028 | $2,836 | $16.36 |
| Maryland | $1,612 | $33,993 | $2,833 | $16.34 |
| Maine | $1,626 | $33,979 | $2,832 | $16.34 |
| Delaware | $1,632 | $33,974 | $2,831 | $16.33 |
| New York | $1,649 | $33,956 | $2,830 | $16.33 |
| Hawaii | $1,679 | $33,926 | $2,827 | $16.31 |
| Alabama | $1,815 | $33,791 | $2,816 | $16.25 |
| Massachusetts | $1,860 | $33,746 | $2,812 | $16.22 |
| Illinois | $1,914 | $33,691 | $2,808 | $16.20 |
| Oregon | $2,810 | $32,795 | $2,733 | $15.77 |
Full time, single filer, same assumptions as above. Local income taxes are not included.
$3,466.67 before taxes for a full-time worker: $20 × 2,080 hours ÷ 12 months. Months with more workdays pay slightly more if you are paid weekly or every two weeks.
About $17.12 an hour, or $35,606 a year, for a single filer in a state without income tax. In Oregon it is about $15.77 an hour.
Only if you work exactly 40 hours every week of the year with paid holidays and vacation. Unpaid time off lowers the annual total, and overtime raises it. See $40,000 a year is how much an hour for the reverse calculation.
Updated November 2026 for the 2026 tax year. Methodology.
© 2026 PaycheckGauge. Estimates only, not tax advice.