Time card calculator
Enter your clock-in and clock-out times for each day, add any lunch or rest breaks, and the calculator totals your hours, splits out overtime and double time under the rule you pick, and estimates your gross pay. Everything stays in your browser. Nothing is uploaded and there is no account.
Time card: Oct 19 – Oct 25
Rule: Federal (FLSA). Rate: $18.00/h. Prepared with punchstamp.com
How to use this calculator
- Pick your pay period (weekly or biweekly) and the date it starts. Your employer's workweek start matters for overtime, so match it.
- For each day you worked, enter the time you clocked in and clocked out. Overnight shifts are fine: an out time earlier than the in time rolls to the next day.
- Enter your break minutes and mark whether the break was paid. Unpaid lunches are deducted; paid rest breaks are not.
- Enter your hourly rate and choose the overtime rule for your state. The totals bar updates as you type.
- Turn on rounding if your employer rounds punches, and compare the minutes you actually worked with what you were paid for.
- Export the period as CSV for Excel or Google Sheets, or print it as a time card to keep with your pay stubs.
How hours worked are calculated
Hours worked for one shift are the time between your clock-in and clock-out, minus any unpaid break. If your out time is earlier than your in time, the shift crossed midnight and the calculator adds 24 hours. Several shifts on one day (a split shift, for example) are added together for that day.
Under the Fair Labor Standards Act, short rest breaks of about 5 to 20 minutes count as hours worked and must be paid (29 CFR 785.18). Bona fide meal periods, ordinarily 30 minutes or longer during which you are completely relieved of duty, do not count as work time (29 CFR 785.19). If you work through lunch, that time is hours worked even if your employer's system deducts it automatically.
How overtime is calculated
Federal law requires overtime at not less than one and one half times your regular rate for all hours over 40 in a workweek (29 U.S.C. 207). The workweek is a fixed, recurring period of 168 hours set by your employer; it does not have to match the calendar week, and overtime is never averaged across two weeks, even on a biweekly paycheck.
Some states add daily overtime. California pays 1.5x after 8 hours in a day and 2x after 12, and the seventh consecutive day of work in a workweek is paid at 1.5x for the first 8 hours and 2x after that (Labor Code 510). Alaska and Nevada pay 1.5x after 8 hours in a day; Colorado after 12. The presets apply these rules, and daily and weekly overtime are never counted twice for the same hour.
The regular rate is not always your base hourly rate. Shift differentials and nondiscretionary bonuses must be included before the overtime multiplier is applied (29 CFR 778.108). This calculator uses the single rate you enter; use the overtime calculator if you earn a differential.
The 7-minute rule and rounding
Federal regulations let employers round punches to the nearest 5 minutes, tenth of an hour or quarter hour, as long as the practice does not, over time, fail to pay employees for all the time they actually worked (29 CFR 785.48(b)). With quarter-hour rounding, a punch at 7:53 through 8:07 becomes 8:00, which is where the name 7-minute rule comes from.
Rounding must work in both directions. If your employer rounds your clock-in up and your clock-out down, that is not neutral rounding. Turn on rounding here to see the minutes you lost or gained this period against your actual punches.
Keeping your own record
Employers must keep accurate time records (29 CFR 516), but the U.S. Department of Labor also publishes a work hours calendar for workers to track their own hours, because disputes come down to whose record is more credible. This calculator keeps each period you fill in on your device so you can compare it with your pay stub. The PunchStamp app does the same thing with one tap at the start and end of every shift, and exports a dated PDF.
Frequently asked questions
How do I calculate hours worked on a time card?
Subtract your clock-in time from your clock-out time for each shift, then subtract any unpaid break. Add the days together for the pay period. Convert minutes to decimals by dividing by 60: 7 hours 45 minutes is 7.75 hours. The calculator does this for every day and shows both formats.
Does the time card calculator deduct lunch breaks?
Yes. Enter the break length in minutes for each day and leave it marked unpaid to deduct it from your hours. Mark it paid if your employer pays for the break. Under federal rules, rest breaks of 20 minutes or less must be paid; meal periods of 30 minutes or more can be unpaid only if you are fully relieved of duty.
What is the 7-minute rule?
It is quarter-hour rounding. Punches from 7 minutes before to 7 minutes after a quarter hour are rounded to that quarter hour, so 8:07 becomes 8:00 and 8:08 becomes 8:15. It is legal under 29 CFR 785.48(b) only if it averages out and does not consistently shortchange you. Turn on rounding in the calculator to see what it costs you each period.
How is overtime calculated on a biweekly time card?
Overtime is calculated per workweek, never across the whole two-week period. 45 hours in week one and 35 in week two is 5 hours of overtime, even though the total is 80. The calculator splits a biweekly period into its two workweeks using the week start you choose.
Does it handle overnight shifts?
Yes. If the clock-out time is earlier than the clock-in time, the shift is treated as crossing midnight. A 10:00 PM to 6:00 AM shift counts as 8 hours on the day it started.
Does the calculator save my hours?
Yes, in your browser on this device. Each pay period you fill in is kept so you can come back and compare it with your pay stub. Nothing is sent to a server and there is no account. Clearing your browser data erases it, so export a CSV or print the card before you do.
Can I export my time card to Excel or PDF?
Yes. Export downloads a CSV file that opens in Excel, Numbers and Google Sheets with one row per day and totals at the bottom. Print produces a clean one-page time card you can save as a PDF from the print dialog.
Is the gross pay exact?
It is an estimate before taxes and deductions, using the single hourly rate you enter and the overtime rule you pick. Shift differentials, bonuses, tip credits and state rules not in the presets can change the result. If it does not match your pay stub, the difference is worth asking about.
Related calculators
This calculator produces estimates for your own records. It is not payroll, tax or legal advice. Overtime rules vary by state, industry and employer policy. Sources: U.S. Department of Labor, 29 CFR Parts 516, 778 and 785; state labor codes named above.