Business
Invoicing, margin & GST calculators
Time Card Calculator
Clock in/out + breaks → daily & weekly hours, overtime and gross pay. Accurate, instant and free — for United States.
40.00 hours this week — 40.00 regular + 0.00 overtime at 1.5× — is $800.00 gross pay at $20.00/hour.
Total hours
40.00 h
Regular hours
40.00 h
Overtime hours
0.00 h
Gross pay
$800.00
| Day | Hours |
|---|---|
| Mon | 8.00 h |
| Tue | 8.00 h |
| Wed | 8.00 h |
| Thu | 8.00 h |
| Fri | 8.00 h |
| Week total | 40.00 h |
Billable hours vs. gross pay are different numbers
This is simple weekly overtime (FLSA, over 40 h)
Turn these hours into a client bill with the Invoice Generator — use the billable figure as the line-item quantity × rate.
From clock-in to weekly hours
A time card is simple arithmetic done consistently. Each day, the paid hours are the shift span minus the unpaid break; the week rolls those up and splits the total into regular and overtime hours.
Daily hours
span − break
hours = (out − in − break) ÷ 60
9:00 → 17:30, 30-min lunch = 8.00 h. An overnight shift adds 24 h when out is before in.
Weekly split
regular vs overtime
OT = max(0, total − 40); reg = total − OT
45 h week = 40 regular + 5 overtime at 1.5×.
- 1Add the daily hours: Mon–Thu at 8 h each is 32 h; a 13 h Friday brings the week to 45 h. The first 40 h are regular, the last 5 h are overtime.
- 2Pay = regular + overtime premium: 40 h × $20 = $800, plus 5 h × $20 × 1.5 = $150, for $950 gross. The billable figure — what you would invoice a client — is 45 h × $20 = $900, because the overtime premium is a payroll cost, not a client charge.
Overtime rules & turning hours into an invoice
This tool models weekly overtime — any time over 40 hours in the week, at 1.5×. That is the US federal (FLSA) baseline and the most common rule.
Some states use daily overtime — not just weekly
Bill the flat hours, keep the premium separate
Frequently asked questions
For each day the tool subtracts clock-in from clock-out to get the shift span, subtracts the unpaid break, and converts minutes to decimal hours. Clocking in at 9:00 and out at 17:30 is 8.5 hours of span; a 30-minute lunch leaves 8.00 paid hours. The week total is the sum of every day’s hours.
Payroll is calculated in decimal hours because you multiply hours by an hourly rate. 8 hours 30 minutes is 8.5 decimal hours (30 minutes ÷ 60). A quarter hour is 0.25, ten minutes is 0.1667. The tool converts automatically so you can multiply straight by your rate — no manual minutes-to-decimal step.
If clock-out is earlier on the clock than clock-in — for example in at 22:00 and out at 06:00 — the tool treats it as crossing midnight and adds 24 hours to the span, giving 8 hours (minus any break). You do not need to split the shift across two rows; enter it on one day.
By default overtime is any time worked over 40 hours in the week, paid at 1.5× (‘time and a half’) — the US federal FLSA rule. Work 45 hours and 40 are regular, 5 are overtime. You can change the weekly threshold and the multiplier if your plan differs. This is weekly overtime only; it does not model daily overtime or seventh-day rules.
No — a bona-fide meal break (typically 30 minutes or more, where you are fully relieved of duty) is unpaid and is subtracted from the shift. Enter the unpaid break minutes per day and the tool removes them. Short rest breaks (usually under 20 minutes) are generally paid; enter 0 break minutes for those.
Use the “Billable (no overtime premium)” figure — total hours × your rate — not the gross-pay figure. The overtime premium is an employer payroll cost, not a client charge, so you bill every hour at the flat rate. Take that quantity and rate into the Invoice Generator to produce a PDF invoice.
No. This calculator uses simple weekly overtime (over 40 hours). States such as California and Alaska have daily overtime — for example 1.5× over 8 hours a day and 2× over 12 hours — and some have a seventh-consecutive-day rule. For per-state and daily overtime, use the Career-HR Overtime Pay Calculator.
Yes — it is completely free with no sign-up, and every calculation runs entirely in your browser. Nothing you enter is sent to a server or stored.
Method, assumptions & references
Methodology: daily hours = (clock-out − clock-in − unpaid break) ÷ 60, adding 24 h when the shift crosses midnight; weekly overtime = max(0, total − threshold) at the multiplier; gross pay = regular × rate + overtime × rate × multiplier; billable = total × rate. All calculations run client-side; nothing is stored.
Cross-links
How we calculate this
Reviewed by Reckonist Editorial · Last reviewed 4 July 2026. Figures follow the methods and sources set out in our editorial standards.
Time card math is standard arithmetic. Overtime here is simple weekly overtime (over 40 hours at 1.5×) and does not model state daily-overtime rules, double-time, shift differentials, rounding policies, or payroll taxes and withholding. Figures are for planning guidance only and are not legal or payroll advice.
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