If you earn $38 an hour and work a standard full-time schedule, your gross pay is $79,040 a year. Taxes take a meaningful bite: after federal income tax, Social Security, and Medicare, a single filer keeps about $64,435 a year — roughly $5,370 a month. If you live in a state with income tax, your take-home will be a little lower; states with no income tax (like Texas and Florida) leave you with the full federal-only amount.