$13 an hour biweekly,
after taxes in 2026
$13/hour at 40 hours per week is $1,040 gross every two weeks. After federal income tax and FICA, federal-only biweekly take-home is $918. Below: every state, the math, and minimum-wage context.
Federal-only biweekly take-home, single, 2026
$918
biweekly take-home, no state tax
$1040 biweekly gross. $1,990 monthly. $23,877 annual. Effective 11.7%.
Figures use 2026 IRS published tables. Excludes state tax. Consult a CPA for personal advice.
Walk-through
How $13/hour becomes $918 biweekly net
The biweekly math is simpler than the annual math because it scales linearly. Tax engines work on the annual figure first, then divide by 26 pay periods to get the biweekly net. Here is the chain at $13/hour.
Step 1: Annualise the hourly rate
$13 per hour times 40 hours per week times 52 weeks per year is $27,040 per year gross. The 2,080-hour annualisation is the federal standard and is what the IRS withholding tables in Publication 15-T assume. If you work fewer than 40 hours per week, scale the annual figure proportionally (35 hours per week is $23,660 annual, 30 hours per week is $20,280 annual).
Step 2: Apply the standard deduction and federal brackets
The 2026 single standard deduction is $16,100. Subtracting that from $$27,040 gross leaves $$10,940 of taxable income. The first $11,925 is taxed at 10% ($1,193). The remaining $$-985 is taxed at 12% ($-$118). Total federal income tax: $$1,094 per year, or $$42 per biweekly pay period.
At $13/hour annual income, you stay deep inside the 12% federal bracket. The 22% bracket would start at $48,475 of taxable income, which is roughly $64,575 of gross. So $13/hour is comfortably below that threshold. Source: IRS Publication 15-T (2026).
Step 3: Apply FICA on gross wages
FICA applies to gross wages, not to taxable income. Social Security is 6.2% on the full $27,040 (well below the $184,500 wage base), which is $$1,676. Medicare is 1.45% on $27,040, which is $$392. Total FICA per year: $$2,069, or $$80 per biweekly paycheck.
Step 4: Divide annual net by 26 biweekly pay periods
Annual net (federal-only, single): $$23,877. Divided by 26 biweekly pay periods: $918 per paycheck. This is what your direct deposit shows after federal tax and FICA, before state tax, health insurance premiums, 401(k) contributions, or any other elective deductions.
Note: 26 paychecks per year is the standard. Twice every 11 years (roughly), there are 27 biweekly paychecks because of how Friday paydays land on the calendar. In a 27-paycheck year, the per-paycheck amount is slightly smaller because the same annual gross is divided by 27 instead of 26.
By state
$13/hour biweekly take-home, ranked by state
Federal plus FICA plus state tax for a single filer earning $13/hour at 40 hours per week, in 2026. Sorted by biweekly take-home.
| State | Biweekly | Monthly | Annual |
|---|---|---|---|
| AlaskaNo tax | $918 | $1,990 | $23,877 |
| FloridaNo tax | $918 | $1,990 | $23,877 |
| NevadaNo tax | $918 | $1,990 | $23,877 |
| New HampshireNo tax | $918 | $1,990 | $23,877 |
| North Dakota | $918 | $1,990 | $23,877 |
| Ohio | $918 | $1,990 | $23,877 |
| South DakotaNo tax | $918 | $1,990 | $23,877 |
| TennesseeNo tax | $918 | $1,990 | $23,877 |
| TexasNo tax | $918 | $1,990 | $23,877 |
| WyomingNo tax | $918 | $1,990 | $23,877 |
| South Carolina | $910 | $1,972 | $23,658 |
| West Virginia | $909 | $1,969 | $23,628 |
| New Mexico | $908 | $1,968 | $23,621 |
| New Jersey | $908 | $1,968 | $23,611 |
| Indiana | $906 | $1,963 | $23,555 |
| Pennsylvania | $905 | $1,962 | $23,542 |
| Missouri | $905 | $1,960 | $23,523 |
| WashingtonNo tax | $904 | $1,959 | $23,502 |
| Connecticut | $904 | $1,958 | $23,500 |
| Iowa | $902 | $1,955 | $23,462 |
| Louisiana | $902 | $1,953 | $23,441 |
| District of Columbia | $901 | $1,952 | $23,421 |
| Wisconsin | $901 | $1,952 | $23,420 |
| Michigan | $900 | $1,951 | $23,412 |
| Arizona | $900 | $1,951 | $23,410 |
| Utah | $899 | $1,949 | $23,385 |
| Montana | $899 | $1,947 | $23,363 |
| Illinois | $898 | $1,945 | $23,336 |
| North Carolina | $896 | $1,942 | $23,307 |
| Idaho | $896 | $1,941 | $23,298 |
| Nebraska | $895 | $1,940 | $23,282 |
| Colorado | $895 | $1,940 | $23,277 |
| Vermont | $893 | $1,936 | $23,228 |
| California | $893 | $1,934 | $23,207 |
| Massachusetts | $893 | $1,934 | $23,206 |
| Oklahoma | $891 | $1,930 | $23,161 |
| Minnesota | $890 | $1,928 | $23,130 |
| Maine | $889 | $1,926 | $23,108 |
| Georgia | $888 | $1,925 | $23,097 |
| Virginia | $888 | $1,924 | $23,083 |
| Kentucky | $886 | $1,921 | $23,049 |
| Arkansas | $885 | $1,917 | $23,007 |
| Rhode Island | $884 | $1,916 | $22,986 |
| Hawaii | $883 | $1,914 | $22,970 |
| Delaware | $882 | $1,912 | $22,939 |
| New York | $881 | $1,908 | $22,897 |
| Mississippi | $880 | $1,907 | $22,888 |
| Maryland | $877 | $1,900 | $22,805 |
| Alabama | $874 | $1,893 | $22,715 |
| Kansas | $871 | $1,888 | $22,657 |
| Oregon | $843 | $1,827 | $21,923 |
Minimum-wage context
$13/hour vs the federal and state minimum wages
The federal minimum wage has been $7.25/hour since 2009. So $13/hour is nearly $6/hour above federal minimum, equivalent to a 79% premium. However, 30 states plus DC have established higher state minimums. As of 2026, California, Washington, New York, Massachusetts, Connecticut, New Jersey, Maryland, Illinois, and several others have minimums of $15-$17/hour. In those states, $13/hour is below the legal minimum wage and would only apply to certain exempt workers (tipped workers, some agricultural roles, certain trainees).
For comparison, the federal poverty line for a single adult in 2026 is approximately $15,650 of annual income. $13/hour annualises to $27,040, so $13/hour full-time clears the federal poverty line by about $11,400. For a household of two (single parent with one child), the poverty line is around $21,150, which $13/hour also clears at full-time hours. For a household of three, the poverty line is around $26,650, just below $13/hour annualised. The MIT Living Wage Calculator (livingwage.mit.edu) estimates the actual wage required to meet basic needs in each US county, often $7-$15 above the federal poverty line in metro areas.
Federal minimum wage source: US Department of Labor Wage and Hour Division. Federal poverty guidelines: HHS Office of the Assistant Secretary for Planning and Evaluation.
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Detected as hourly rate. Annual equivalent: $27,040
Your Take-Home Pay
$1,990/mo
| Gross Annual Salary | $27,040 |
| Standard Deduction (Single) | -$16,100 |
| Taxable Income | $10,940 |
| Federal Income Tax | -$1,094 |
| 10% bracket ($0 - $11,925) | -$1,094 |
| Social Security (6.2%) | -$1,676 |
| Medicare (1.45%) | -$392 |
| Total FICA | -$2,069 |
| Total Tax | -$3,163 |
| Effective Tax Rate | 11.7% |
| Marginal Tax Rate | 10% |
| Annual Take-Home Pay | $23,877 |
| Monthly | $1,990 |
| Biweekly (26 paychecks) | $918 |
| Weekly | $459 |
Sources
Where the 2026 numbers come from
- Federal brackets and standard deduction. IRS Publication 15-T (2026).
- Social Security wage base. SSA Cost-of-Living Adjustment notice.
- Federal minimum wage. US DOL Wage and Hour Division.
- State minimum wage map. DOL state minimum wage table.
- Federal poverty guidelines. HHS poverty guidelines.
Related
Other hourly rates and biweekly views
$15/hr biweekly
The next-step minimum wage bracket. Net biweekly all 50 states.
$20/hr biweekly
$41,600 annualised. Where a single adult clears most living-wage benchmarks.
Biweekly pay calculator
The 26-vs-27-paycheck quirk and biweekly net by salary table.
$13/hr full reference
Annual, monthly, weekly, hourly net all in one place. State comparison.
$50K single
Annual-frequency view if your hourly job lands in the $50K range.
Salary calculator
Try any hourly rate, salary, state, and filing status.