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Time Card Calculator

Free time card calculator: enter daily clock-in and clock-out times, get weekly work hours in decimal, overtime past 40 hours at 1.5x pay, and gross wages.

Last reviewed: January 2026 · Tax data verified against IRS Publication 15-T & state revenue departments

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How This Calculator Works

This calculator turns a week of punch-clock times into payroll-ready numbers. Type when you clocked in and out for each day, set the unpaid break, and the tool converts raw times into decimal hours - the format every payroll system multiplies by your rate. Monday through Friday, 9:00 to 5:00 with a 30-minute lunch, becomes 7.50 hours a day and a 37.50-hour week.

The decimal conversion is plain division: minutes worked divided by 60. Forty-five minutes is 0.75 of an hour, so 7 hours 45 minutes counts as 7.75 hours. Payroll pays decimal hours, which is why a hand-written "7.45" on a paper time card quietly costs you money - that is 6 minutes per day, half an hour per week, 26 hours a year.

Overtime follows the federal FLSA standard: any minute past 40 hours in a single workweek is paid at 1.5x your regular rate. The switch is on by default; turn it off if you are salaried-exempt or just want straight-time totals. A workweek is a fixed, recurring 168-hour window your employer chooses - overtime is never averaged across two weeks, no matter how you are paid.

California is the big exception: it requires daily overtime (1.5x over 8 hours in a day, 2x over 12) on top of the weekly rule. This card follows the federal weekly standard used by the other 49 states and most payroll systems. If you work in California, double-check your daily totals against the daily thresholds.

Overnight shifts are handled automatically: a 22:00 to 06:00 shift crosses midnight and counts 8.00 hours, never a negative number. This is a work-hours tool, so it stops at gross pay - for taxes and take-home, run your weekly result through the paycheck calculator.

How It's Calculated

Formula

Gross = (Regular hours x rate) + (OT hours x rate x 1.5)

Step-by-Step

  1. 1For each day: worked span = clock out minus clock in (add 24 h if the shift crosses midnight), then subtract unpaid break minutes
  2. 2Convert each day to decimal hours: minutes / 60 (7 h 45 m = 7.75)
  3. 3Total the week: minutes over 40 hours become overtime at 1.5x, everything else stays regular
  4. 4Regular pay = regular hours x hourly rate
  5. 5Overtime pay = overtime hours x hourly rate x 1.5
  6. 6Gross pay = regular pay + overtime pay

Example

A standard week - Monday to Friday, 9:00 AM to 5:00 PM with a 30-minute unpaid lunch - is 7.50 h per day, 37.50 h total. At $20.00/hour that is $750.00 gross. Add a Saturday shift, 9:00 AM to 2:00 PM with no break (5.00 h): the week reaches 42.50 h, so 40 regular hours pay $800.00 and 2.50 overtime hours pay 2.50 x $20.00 x 1.5 = $75.00. Gross pay = $875.00.

For detailed data sources and full methodology, see our Methodology & Data Sources page.

Key Rates & Data for 2026

Federal OT Threshold

Over 40 hours per workweek

FLSA Overtime Multiplier

1.5x the regular rate

Full-Time Standard Year

2,080 hours (40 h x 52 wk)

Decimal Hour Rule

7 h 45 m = 7.75 hours

Default Unpaid Break

30 minutes (set 0 if paid)

Frequently Asked Questions

How do I calculate hours worked from a time card?

Subtract your clock-in from your clock-out time, then subtract any unpaid break. A 9:00 AM to 5:30 PM shift is 8 hours 30 minutes of span; with a 30-minute lunch that is 8.00 hours worked. To get the decimal format payroll uses, divide the minutes by 60 - 30 minutes is 0.50 and 45 minutes is 0.75 - so 7 hours 45 minutes becomes 7.75 hours. This calculator does that conversion for every day of the week automatically, including shifts that cross midnight.

How does weekly overtime work on a time card?

Under the federal FLSA, every hour past 40 in a single workweek is overtime at 1.5x your regular rate. A workweek is a fixed, recurring 168-hour period defined by your employer - it is not the same as a pay period. If you work 42.5 hours in one week and 37.5 in the next, you are owed 2.5 overtime hours for the first week; your employer cannot average the two weeks to zero them out. Only police, firefighters, hospitals, and a few other narrow categories may use special alternative work periods.

Does California count overtime differently?

Yes. California is the main exception to the federal weekly rule: hours over 8 in a single day are paid at 1.5x, hours over 12 in a day at 2x, and the seventh consecutive workday carries its own premiums. So in California you can earn overtime in a week under 40 total hours. This calculator applies the federal weekly threshold (over 40 at 1.5x) that every other state and most payroll systems follow; if you are in California, also check each day against the 8-hour and 12-hour marks.

Should unpaid breaks be deducted from my hours?

Bona fide meal periods - typically 30 minutes or more where you are fully relieved of duty - can be unpaid, and that is what the break field subtracts. But under federal law, short rest breaks of about 5 to 20 minutes must be paid; they count as hours worked and even count toward overtime. This card defaults to a 30-minute unpaid break per day. If your employer pays your lunch or your breaks are short, set the break to 0 so nothing is deducted.

How do overnight or graveyard shifts work?

When clock-out is earlier than clock-in, the calculator treats the shift as crossing midnight and adds 24 hours to the end time. A 22:00 to 06:00 shift is 8.00 hours; an 18:00 to 02:00 shift with a 30-minute break is 7.50 hours. Overnight work follows the same weekly overtime bucket as day shifts - it all lands in the same workweek, and hours past 40 are overtime regardless of what time of day they were worked. Some industries pay a shift differential on top, which you would add separately.

How do I turn my weekly hours into gross pay?

Take the decimal hours, split them at the 40-hour line, and multiply: regular hours at your rate, overtime hours at 1.5 times your rate. At $20.00/hour, a 37.50-hour week is 37.50 x $20.00 = $750.00. A 42.50-hour week is 40 x $20.00 = $800.00 regular plus 2.50 x $30.00 = $75.00 overtime, so $875.00. That is exactly what the weekly gross figure shows. For what actually lands in your bank account after taxes and withholding, take the gross result to a paycheck calculator.

Is overtime calculated per week or per paycheck?

Per workweek - always. The FLSA requires overtime for hours over 40 in a single workweek, and a workweek never spans two weeks. If you are paid biweekly, each paycheck contains two separate workweeks, and each week stands on its own for overtime purposes. A 45-hour week followed by a 35-hour week means 5 overtime hours owed, not zero - averaging across weeks is one of the most common (and expensive) wage-law mistakes small employers make. This calculator totals one Monday-to-Sunday week at a time, so each run maps cleanly onto a single workweek.

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