Part-Time Annual Income by Hourly Rate and Hours
Annual income for part-time hourly workers at various rates and hours
| Hourly Rate | 20 hrs/wk Annual | 25 hrs/wk Annual | 30 hrs/wk Annual | 32 hrs/wk Annual |
|---|---|---|---|---|
| $13/hr | $13,520 | $16,900 | $20,280 | $21,632 |
| $16/hr | $16,640 | $20,800 | $24,960 | $26,624 |
| $18/hr | $18,720 | $23,400 | $28,080 | $29,952 |
| $20/hr | $20,800 | $26,000 | $31,200 | $33,280 |
| $25/hr | $26,000 | $32,500 | $39,000 | $41,600 |
| $30/hr | $31,200 | $39,000 | $46,800 | $49,920 |
The Real Cost of Part-Time Work: Benefits You Lose
Most employers define full-time as 30–40 hours per week for benefits eligibility. Under the ACA, employers with 50+ full-time equivalent employees must offer health insurance to workers averaging 30+ hours/week. Working 28 hours/week may deliberately keep you benefits-ineligible.
A part-time job at $20/hr with no benefits often pays less total compensation than a full-time job at $17/hr with employer health insurance and 401(k) match. Always calculate the full compensation picture before comparing offers.
Overtime Rules for Part-Time Hourly Workers
Part-time hourly workers are entitled to overtime (1.5×) for all hours over 40 in a workweek, just like full-time workers. If you normally work 25 hours but one week work 45 hours, the 5 hours over 40 must be paid at overtime rates. This is often misunderstood by both workers and managers.
Budgeting for Variable Part-Time Income
Part-time hours often vary week to week, making budgeting challenging. The best approach: budget to your minimum expected hours (your floor), treat additional hours as variable income to be directed toward savings or debt payoff. Never build fixed expenses around maximum hours that may not materialize.
Calculate Your Part-Time Annual Income
Enter your hourly rate and actual weekly hours to find your real annual income.