$18 an Hour Is How Much a Year? Can I Live On It?

To determine if you can live off of an $18 an hour wage, you must first consider your living expenses. The cost of rent or mortgage payment, utilities, groceries, and other necessities should all be taken into account.💰

We’ll tell you how to make the most of your meager earnings, maximize them, and share alternative options (or secrets) to earn some extra bucks or passive income.💸💸

$18 an hour is how much a year?

To calculate an annual salary based on an hourly wage, you must multiply the amount you make per hour by the number of hours in a year 💲💰. Assuming you work 40 hours a week, there are approximately 2,080 hours in a year💲. 

Multiplying $18 an hour by 2,080 gives you an annual salary of $37,440.

So, here’s how it looks for the different pay periods:📅

  • $18 an hour makes: ($18 * 8 hours) = $144 per day ✅
  • $18 an hour makes: ($18 * 40 hours) = $720 per week ✅
  • $18 an hour makes: ($18 * 80 hours) = $1440 biweekly ✅
  • $18 an hour makes: ($18 * 2080 hours/ 12 months) = $3,120 per month ✅
  • $18 an hour makes: ($3,467 * 12 months) = $37,440 per year ✅

Regardless, make note that this is only the gross income. The actual money you pocket is subject to taxes, etc.💰💰

With an income of $37,440, you may expect taxes to be approximately 12%. So out of it, you will pay about $4,492 as tax. 📜💲

This tax constitutes the federal income tax, medicare payment, and social security. Now, if you live in a state where they collect state taxes, you will pay that too. 💴

In addition to the taxes, you may also be required to make other payments, such as student loan debt, 401K contributions, and other monthly bills. 👨‍💼

Is $18 per hour enough to live?🧐🧐

There’s no straight answer to the question. However, depending on various factors, we can safely say it’s a “maybe.”

A lot depends on where you live, your expenses and lifestyle, and other requirements.🧑‍💻🏠🧑‍💼

To understand better, consider the rent, for example. In some states, $18 per hour will only be enough just about to cover your rent. However, if you live away from the posh localities, you can cover a few other expenses on the same income.💰✅

If you have other sources of income, like savings or other investments, you can definitely manage to live on $18 per hour. 🤝

How can you make more money if $18 an hour is not enough😥🤔

Now, if (and most likely you won’t) you don’t find it easy to live with $18 earned every hour, there are certain other ways of increasing your income. 

For one, you can try looking for a second job, provided you have enough time for it. A second job could be anything from freelancing to working in the hospitality industry. This way, you can make more money while also managing your time well.

Here are some other ways to make money. 

1. Taking surveys🤑💻

If you wish to make some extra bucks taking surveys online is simple, fast, and an easy way to do so without much effort or expertise! All you have to do is spend a few hours a day on your laptop and take easy surveys on platforms like:

Nevertheless, keep your expectations at a realistic level. You won’t be able to make a fortune out of these sites but may earn enough to make a stable living beside those $18 you make.💷🤑

Let’s take a look at the top three survey sites that’ll get you some hard cash:💸💸

Survey Junkie🤓💻

One of the top legit sites for making money online via surveys is Survey Junkie. The platform has an easy-to-use, attractive interface, and the payment method is simple. 

It offers cash rewards for completing surveys, and the amount you make depends on the survey. You can also get bonus points for referring friends to join Survey Junkie. The Customer Service Team is also very helpful and responsive if you have any site issues. 💻

To get started, you must provide information about yourself, your age, location, other demographics, lifestyle details, etc. After that, the platform matches your profile details with the available surveys. 💻📄

Inbox Dollars💻💵

Inbox Dollars has several surveys and minor tasks that users can complete and get paid for.

First, you must sign up on the site (which is simple and easy). Then, you get to pick and choose the tasks available on the site. Various options include watching videos, playing games, product reviews, questionnaires, and short opinion polls.🎮📃


Another popular platform for earning money via surveys and a host of other activities is Swagbucks. You can play games, stream ads, watch videos, write product reviews, and even be part of focus groups to maximize your earnings. 

Plus, you’ll be able to claim your earnings via gift cards, PayPal payments, or a prepaid virtual Visa card. You can also exchange your points for exclusive items from the Swagbucks shop. 

Payment is made through PayPal and gift cards🎁

2. Playing games🎯🎮

If you’re still low on the thought that $18 an hour is how much a year? For really it isn’t much! So here’s another way to earn money while having fun: Get paid to play games!

Here are some known platforms you can check out and earn while you have fun.

Bingo Cash💵

Bingo Cash is a legit game for making actual money by playing games. The app has a 5-star review and has millions of active players. Earnings are cashed via Paypal, and you can earn as much as $83 for every win!

You can maximize your earnings by playing daily and winning more games. Every day, you get two free bingo cards to play with, so make the most of it. 

You can play in tournaments or match numbers and win.


Another place to make easy money is Swagbucks. Take a few minutes to create your profile and start playing games, taking surveys, or browsing hundreds of tasks to earn money.

You can watch videos, download certain apps, make Swagbucks your search engine, etc., and get paid for all the tasks.

3. Browsing the web – Earn free BAT crypto🪙🪙

There are platforms like ‘Brave’ where you can earn BAT, a Basic Attention Token, and Brave’s cryptocurrency. 

To earn, all it takes is to watch a few ads. Some of these ads are anonymous, and others are private.

Just download the Brave browser on your device, and you’ll start receiving push notifications for the ads. In the end, your earnings will be stored in the Brave wallet and can be traded for other cryptocurrencies or used for purchases.💳

You can also earn cryptocurrency through mining⁠—the process of verifying and adding transaction records to the public ledger. 

The mining process can be done on a personal computer, or you can join a mining pool to reduce the cost and increase the chances of earning rewards.💳💳

4. Reading emails📨

Yes, you can also make money on the go by reading emails! Some top sites you can access are InboxDollars, Branded Surveys, and Inbox Pays. Again the sites are backed by brands who pay the users for simply reading emails they send.📩

After signing up for any of these platforms, you’ll receive emails with various offers or winnings for filling out the details. But, of course, all these emails are paid for reading, and they keep coming!

Payments are made through Paypal and gift cards.💝🎁

Is $18 an hour good?🤔🤔

It depends on the job, location, and expenses. For some jobs and locations, $18 an hour is above average. In other places, it may not be enough to cover basic expenses. 

You should also consider other factors, such as the cost of living in your area, how much you need to save for retirement and other long-term goals, and whether or not you have benefits such as healthcare or a retirement plan. 

Tips to living on $18 an hour🤔💡

If you’re stuck with $18 an hour, there are some changes you can make to your lifestyle and still make the most of it. 

Break up your budget according to the 50/20/30 rule by Sen- Elizabeth Warren. The rule states that 50% of your budget should go towards essential expenses, such as rent and groceries. 20% of your budget should be saved for financial goals, like retirement or debt repayment.💸💸

Lastly, 30% of your budget should be allocated towards flexible spending, such as eating out and entertainment. 💸💸

Here are some other tips: 

  • Try free hobbies instead of expensive ways to spend time. For example, you can try cycling, going to the library, jogging, playing sports, or joining a club.🏃📚
  • Use a budget planner to keep track of expenses.🗓️
  • Look up the best and most affordable insurance services
  • Minimize all your major expenses and rentals✅
  • Find free and less expensive ways for entertainment and other activities⛹️🏊

Final words😁✅

Now that we know $18 an hour is how much a year, is it a liveable amount in the US? There’s no easy answer to it. There are many variables involved that either make it a good or a hardly livable wage. 💲

However, with some planning and budgeting, you can make the most of what you have. As discussed in the article, you can also make some additional bucks by taking surveys or other tasks.🧑‍💼💻

Try to make the most of your money, and that $18/hour will go a long way. Have fun, save up and keep learning to improve yourself.✅

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