$45 an Hour Is How Much a Year? Can I Live On It?

If you earn $45 an hour and work 40 hours a week, then you will make about $93,600 a year ($45 x 40 hours x 52 weeks). 

For most people, that is enough to live on comfortably. Depending on where you live and the lifestyle you choose, $45 an hour can provide a comfortable life.😊

However, if you want to save money or have more financial stability in case of emergencies, it might be better not to rely solely on your $45 an hour wage.💲💲 

You may need to get additional income from other sources, such as investments or freelancing. 💰📈 Additionally, you may need to cut down your spending and save more money so that you can build a financial cushion in case of emergencies. 🛡️Overall, $45 an hour is enough for most people to live on without too much stress.

$45 an hour is how much a year?

To make the most out of your income, we need to know how it looks for different pay periods. That means $45 an hour is how much a year, a day, a week, a month, etc. 

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

  • $45 an hour makes: ($45 * 8 hours) = $360 per day ✅
  • $45 an hour makes: ($45 * 40 hours) = $1800 per week ✅
  • $45 an hour makes: ($45 * 80 hours) = $3600 biweekly ✅
  • $45 an hour makes: ($45 * 2080 hours/ 12 months) = $7800 per month ✅
  • $45 an hour makes: ($7800 * 12 months) = $93,600 per year ✅

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

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 be charged an additional 3.2% state tax.

Is $45 per hour enough to live?🧐🧐

In most cases, it is sufficient to cover basic living expenses and bills, however, it may depend on where you live. In some cities, even with $45 per hour, it may be difficult to make ends meet due to the high cost of living. 🏠

How can you make more money if $45 an hour is not enough😥🤔

You can try the following:

1. Taking surveys🤑💻

One of the easiest ways to make extra money is to take surveys. Companies are always looking for feedback from their customers and will pay you for it. You can find any number of survey sites online that will pay you for your opinion.

All you have to do is spend a few hours a day on your laptop and take easy surveys on platforms like:

All these platforms are free to join and you can start earning right away. You can expect to make a few cents per survey, depending on the time it takes for you to complete them. Plus, most of these sites have bonus offers that give you more money for signing up and completing certain tasks.🤑💰 

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 besides those $45 you make.💷🤑

Here are 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. 

You will be required to register on the platform and answer a few questions before you can start taking surveys. Survey Junkie will then serve you with several surveys depending on your interests, age, gender, location, etc. 

You can choose to take those that match your profile and earn points for each completed survey. 💰🤑 For every survey, you earn 2-200 points🏆. 

Inbox Dollars💻💵

Inbox Dollars has several surveys and minor tasks that users can complete and get paid for. 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 also watch videos, play games, shop online, search the web and even read emails to earn Swagbucks cash. 

Payment is made through PayPal and gift cards🎁

2. Playing games🎯🎮

You can also make money by playing online games! PaidGamePlayer is one of the most popular websites where you can play various games and get rewarded for them in terms of cash prizes. 👾👾

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!

The site has numerous games to choose from, and you can also participate in tournaments. You can even team up with other players for a better chance of winning!

Bingo Cash also has an in-app currency called “BINGO Bucks” which can be used to buy additional tickets.You are also able to participate in tournaments and leagues where you compete against other players for even bigger prizes. 💲💲


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 even earn cash back when you shop at one of the stores featured on their website. There’s no limit to how much money you can make! So, what are you waiting for? Start earning today and get those extra bucks in your pocket! 💲🤑✨

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. 

The BAT coin is a type of cryptocurrency that can be used for transactions on the Brave Browser, and users who view ads in the browser can earn free BAT tokens. The more time you spend viewing ads, the more rewards you get. 

You can then use these tokens to purchase items from different vendors or even trade them for other currencies like Bitcoin.💳

Plus, you can even get rewarded for referring your friends and family to Brave too. So, start earning free BAT tokens while browsing the web without any hassle! 🤩🪙✨

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.📩

Your job is to read the emails sent to your inbox, provide feedback or opinions on products or services and earn rewards.💝🎁

Is $45 an hour good?🤔🤔

Ideally, $45 an hour is considered a good salary for most jobs. It is higher than the national median wage of $18.58 per hour but still falls below the average salary for many skilled professions. 

The amount you make per hour will ultimately depend on your job type, education level, and experience. However, $45 an hour is considered a good wage for many jobs, and it can be a great start to making more money over time as your skills develop. 🤑✨

Tips to living on $45 an hour🤔💡

If you’re stuck with $45 an hour, there are some changes you can make to your lifestyle and still make the most of it. 

  • Limit eating out and impulse purchases. 🍱🍨
  • Make use of coupons, discounts, and loyalty programs whenever possible. 🤑😎
  • Set up a monthly budget and stick to it. 🗓️💰
  • Create an emergency fund for unexpected expenses.⛽️☢️ 

Another budgeting model is the 80/20 rule. According to this method, you should use 80% of your income for essentials while saving and investing 20%. This is a great strategy if you want to improve your financial footing quickly. 🤩

Likewise, don’t forget to take advantage of tax deductions. 💱📝Finally, make sure you pay your bills on time and start investing for retirement as early as possible. 🕗✨

 Investing in index funds or exchange-traded funds (ETFs) is a great way to get started with investing while minimizing risk. 📈👍

Final words😁✅

Now that we know $45 an hour is how much a year, is it a liveable amount in the US? The answer is yes; it can be. 

It all depends on how you manage your finances and how much additional income you can bring in to supplement your hourly salary. If you are able to budget well and take advantage of tax breaks, 40 an hour can provide a comfortable lifestyle for most people.  🤝🤗

Living on $45 an hour may be a challenge, but with some discipline and smart decision-making, you can make the most of it. 🤸‍♀️💪

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