# \$28 an Hour is How Much a Year?

Earning an hourly wage makes it hard to budget unless you annualize it or at least look at it on a monthly basis. Knowing how much you bring in each month is important; otherwise, how do you set up a budget? You need to know how much you can commit to expenses like housing, utilities, insurance, food, and savings.

So \$28 an hour is how much a year? Check out our guide to make the most of it. Continue reading to also see the equivalent annual salary based on how many hours you work.

## 28 Dollars an Hour Is How Much a Year?

You may find yourself asking how much is \$28 an hour annually? If you work 52 weeks per year (or get two weeks of paid vacation), you will make around \$58,240 assuming you work 40-hour weeks with no overtime pay.

If you don’t get paid time off and you take it, you’ll work around 2,000 hours per year, bringing your salary down to \$56,000 even. But if we’re honest, there are 260 weekdays in 2023. If you worked every weekday, you’d work 2,080 hours and make \$58,240 annually.

Let’s convert your hours worked to salary based measurements:

Check out our free Hourly to Salary Calculator to further dive into your hourly pay.

For both salaried and hourly employees, the fair labor standards act, and the department of labor standards provides you with a level of protection. Federal minimum wage (minimum rate of pay for a given nonexempt job role) and for overtime hours on time-spent if an employee meets compensatory requirements are just two examples of how labor laws help you.

## How Much is \$28 an Hour per Month?

It helps to know how much \$28 an hour earns you per month. You’ll have a better idea of your monthly budget and what you can spend. Using the full 365 days in 2023, the average hourly wage earner works 175 hours per month.

At \$28 an hour, you’d make \$4,900 per month, assuming you work all the weekdays in the month. If you take time off unpaid, the amount drops.

## How Much is \$28 an Hour per Week?

Do you prefer to budget weekly? Many people do; it’s easier to break it down than look at a month at a time and get overwhelmed.

\$28 an hour per week means \$28 an hour for 40 hours or \$1120. If you work overtime or take time off, it will increase or decrease your weekly income accordingly.

## How Much is \$28 an Hour per Day?

Want to look at it from a daily standpoint? Maybe you want to give yourself a little incentive to keep going – and what works better than cold hard cash, right?

If you work full-time, that’s 8 hours a day on average. At \$28 an hour, you’d gain \$224 a day.

## \$28 An Hour Breakdown (Comparison Table)

Here’s a quick breakdown of what \$28 an hour looks like for the average person.

## Tools You Need to Live on \$28 an Hour

### Empower

Knowing your net worth is half the battle, and Empower helps you understand yours. Track your assets and liabilities – see where you stand (and where you should make changes). It doesn’t cost anything unless you sign up for their Robo-advisor services, which we think is a great way to start investing, especially for beginners.

A Top Wealth Management and Budgeting Tool
Empower
4.7

Track all of your account balances and your net worth in one place. Get access to a Retirement Planner, Fee Analyzer, Portfolio Checkup, Contribution Calculators, and so much more with, Empower!

Pros:
• Early pay and cash advances
• Earn cash back
• Budgeting tools to monitor spending and expenses
• An inexpensive way to borrow funds
Cons:
• The amount borrowed is non-customizable
• Requires a subscription
• Low APY
• Need an Empower card to receive free and instant cash advances

### CIT Bank

Don’t waste your time (and moolah) in your local, brick-and-mortar banks. The interest is next to nothing – you’ll get the same result keeping things under your mattress. Instead, make it work for you at CIT Bank, where you make 11x the national average interest rates in their money market account.

CIT Bank
5.0

Earn higher and more competitive APY with CIT Bank. As a top-ten online bank, they commit themselves to growing and preserving your savings safely and securely. Find saving, e-checking, money market, and CD options with CIT.

Pros:
• Significantly higher APY than traditional banks
• 4.20% APY on Savings Connect Accounts
• Zero monthly fees
• Small deposit minimum requirements
Cons:
• No physical locations are available
• Checks are not an available option
• NO IRAs, car loans, or credit cards
FDIC insured - Rates may vary and are subject to change

### FlexJobs

Looking for a part-time gig to pick some additional work-hours up? Regardless of whether you want to extend your workweek into the weekends or extend past your normal eight hours per day – FlexJobs offers the best remote work and flexible positions available.

FlexJobs
4.1

Find the best paying full time & part time remote work from home & flexible jobs available online!

Both employee & freelance positions available from some of the biggest companies!

Pros:
• Advanced and easily refined job searches
• Saves time for job seekers
• FlexJobs screens the jobs they post
• 30-Day money back guarentee
Cons:
• Requires a membership fee
• Salaries are not always listed with the job post
• Some jobs are not actually remote

### Tiller

Do you love spreadsheets, but don’t have the time for manual data entry? Who does, right? Tiller automatically imports your transactions, working with over 20,000 banks. They even categorize for you (don’t worry you can customize) and send daily emails showing your balance and activities.

Tiller
3.5

Easily automate spreadsheets with Google Sheets or Microsoft Excel and manage your finances today! Connect your transaction data, bank, credit cards, brokerages, loans, and other financial institutions and gain insight into your finances.

Pros:
• Extremely Customizable
• Advanced reporting on personal profit, loss, and cash flow.
• Free for 30-days
Cons:
• No mobile app - can only access via spreadsheet
• Basic knowledge of spreadsheets is required
• Only free for 30-days

### Survey Junkie

Received gift cards or PayPal money just for providing your opinions and input on today’s products and services with Survey Junkie. Complete these in your free time and take home a little side money. Seriously, while you’re watching TV, waiting for the doctor, or while cooking dinner, answer a series of questions or two and acquire points for free prizes.

Take Surveys, Get PAID!
Survey Junkie
5.0

Get paid for taking online surveys!

All you have to do is build your profile, take surveys, earn points, and get paid!

Payouts are available via PayPal or e-Giftcards.

Pros:
• Redeem for cash or gift cards
• Points have a long "shelf life" compared to other sites.
Cons:
• Payouts for some surveys are low

## 5 Jobs That Earn \$28 an Hour

### 1. Virtual Assistant

A virtual assistant is an administrative assistant, but you work from home. You can freelance and have multiple clients or work for a single company.

If you work hard, you can earn \$28 an hour or more if you freelance, allowing you to reach your financial goals.

### 2. Freelance Writer

Freelance writers make \$28 an hour or more and work from home. To increase your chances of making \$28 an hour or more, consider finding a niche you excel in and can write captivating content efficiently.

Since most freelance writers work for themselves, you must be detail-oriented, self-motivated, and organized. Of course, the faster you write, the more you’ll make per hour, but you must also provide high-quality content to get paid the rates you deserve.

### 3. Class A Truck Driver

Class A truck drivers are essential to our economy and deserve the \$28 an hour or more they make. As a Class A truck driver, you drive a semi-truck and trailer, typically long distances. You’ll likely deliver goods across the country and spend several nights away from home.

To be a Class A truck driver, you must have a Class A license which requires you to go to commercial driving school and pass the licensing exam.

### 4. Librarian

Librarians work at public and school libraries, helping customers find what they need. They’re responsible for organizing materials, helping with resources, and assisting customers with their needs.

Librarians need excellent attention to detail, time management, and communication skills. They also need to be able to multitask. Most libraries require at least a bachelor’s degree in library science; however, you may also qualify if you have a degree in a related field of work.

### 5. Electrician

Electricians are always in high demand. You don’t have to go to college but must attend trade school and have proper licensing. Electricians make \$28 an hour early in their career, when they are still an apprentice, and can quickly work their way up to making more money.

## Example Budget for a \$28 per Hour Income

Making \$28 an hour means you make \$4,900 a month before taxes. After taxes, you’ll clear around \$3,800 monthly. It’s important to know how to budget to make your expenses fit. Since \$28 an hour isn’t extravagant, you may have to sacrifice or learn to be frugal in some areas to make everything fit.

Here’s a quick example budget to use.

• 30% for housing – \$1,140
• 10% for transportation – \$380
• 10% for food – \$380
• 10% for entertainment – \$380
• 5% for utilities – \$190
• 5% for personal expenses – \$190
• 15% for insurance – \$585
• 15% for saving and investing – \$585

As you can see, it takes some creativity to live on \$28 an hour. You have some room for housing and transportation, but things like entertainment and personal expenses should be more frugal until you start making more money.

## \$28 an Hour is How Much a Year: FAQs

### Can I Live Off \$28 per Hour?

You can live off \$28 per hour, but it takes a little creative thinking to reach your financial goals. If you rent, you’ll have more room in your budget since most landlords include utilities, but you must still cover plenty of other expenses. Having a frugal mindset is important if you make \$28 an hour.

### How Do You Make \$28 per Hour After Taxes?

To make \$28 an hour after taxes, you’d need a salary of \$72,800 per year if you’re in the 25% tax bracket.

### Can You Make \$28 per Hour Without a Degree?

You can make \$28 an hour without a degree. Class A truck drivers, electricians, and freelance writers are just a few examples of ways you can make \$28 an hour without a degree.

### What’s the Total Number of Working Days in 2022?

There are 260 working days in 2022 if you work the normal Monday – Friday job.

### How Do You Calculate Hourly Rate From Annual Salary?

To find out your hourly rate from an annual salary, take your annual salary and divide it by 52 weeks. Next, divide that amount by 40 hours, and you have your hourly rate from an annual salary. You can also utilize an annual salary calculator.

## Is \$28 an Hour Good Pay?

You can make \$28 an hour work if you’re responsible with your finances.  If you accumulate a lot of debt, even \$28 an hour may not be enough to cover your expenses.  Make sure you create a budget and stay intentional with your spending and saving.  If you work hard to reach your goals, you’ll achieve financial freedom in no time!

Financial independence has more to do with how you manage your money than how much money you make.  Check out our Manage Money category for effective strategies to manage your money!