Time Card Calculator 2026
Enter daily clock-in/out times → see total hours, overtime, and weekly gross pay.
This time card calculator computes your total hours worked for the week by subtracting unpaid breaks from your clock-in and clock-out times each day. Enter your hourly rate to instantly see regular pay, overtime pay (1.5×), and gross weekly earnings. Federal FLSA overtime kicks in after 40 hours/week for most employees — California and Alaska have additional daily overtime rules.
How Time Card Hours Are Calculated
Payroll law requires employers to pay for all hours worked. The time card calculation is simple, but getting breaks and overtime right matters — underpayment violates the FLSA.
| Variable | Definition | Example |
|---|---|---|
| Start/End Time | Clock-in and clock-out time | 9:00 AM → 5:30 PM |
| Break Minutes | Unpaid meal/rest break | 30 min lunch |
| Daily Hours | Net paid hours per day | 8.5 hours (8h 30m) |
| Regular Hours | Weekly hours up to OT threshold | First 40 hours |
| Overtime Hours | Hours above OT threshold | Hours 41+ at 1.5× |
Worked example: Mon–Fri 9:00 AM to 6:00 PM with 30-min lunch = 8.5 hrs/day × 5 days = 42.5 hours. At $22/hr: Regular pay = 40 × $22 = $880. Overtime pay = 2.5 × $33 = $82.50. Gross = $962.50 for the week.
💡 Pro-Tip
Track Breaks Separately to Avoid Wage Theft: The most common payroll error is incorrectly deducting unpaid break time. Under the FLSA, rest breaks under 20 minutes must be paid — only bona fide meal periods (30+ minutes where you're completely off duty) can be unpaid. If your employer automatically deducts 30 minutes for lunch even on days you worked through it, you may be owed back wages. Keep personal records of your actual clock-in/out times and compare to your pay stub. Use this calculator as your independent verification before each payday.
Time Card Calculator
Daily Hours
Weekly Summary
Total Hours Worked
37h 30m
| Monday | 7h 30m |
| Tuesday | 7h 30m |
| Wednesday | 7h 30m |
| Thursday | 7h 30m |
| Friday | 7h 30m |
| Total | 37h 30m |
| Regular Pay | 37h 30m × $25.00 | $937.50 |
| Gross Weekly Pay | $937.50 | |
Annual (52 wks)
$48,750.00
Effective Hourly
$25.00/hr
Based on your results — what to do next:
See your take-home after taxes
Your gross weekly pay of $937.50 ($48,750.00/yr) — calculate your actual net after federal and state taxes.
Negotiating a raise based on your hours?
Working 37h 30m/week annualizes to $48,750.00 — see how a raise changes every pay period.
Put your weekly earnings to work
Saving even 10% of $937.50/week adds up to $4,875.00/year toward your goals.
Time Card Calculator FAQ
How many hours is a normal work week?
A standard full-time work week is 40 hours — 8 hours per day, 5 days per week. This threshold also defines when federal overtime begins under the FLSA. Part-time is generally under 32 hours/week. Some industries (healthcare, transportation) have different standards: nurses often work 36-hour weeks (three 12-hour shifts), truckers are governed by DOT hours-of-service rules.
What is California daily overtime?
California requires overtime after 8 hours in a single day (not just 40/week), at 1.5× the regular rate. After 12 hours in a single day, the rate jumps to 2×. This means a California employee working 10-hour days Mon–Thu (40 total) still earns daily overtime on hours 9–10 each day — an extra 8 hours × 1.5× that federal law doesn't require.
Are salaried employees exempt from overtime?
Not automatically. Under the 2024 DOL rule (in effect through 2026), salaried employees earning under $684/week ($35,568/year) must receive overtime. "Exempt" status requires earning above the salary threshold AND primarily performing executive, administrative, or professional duties. Misclassifying hourly workers as exempt salaried is the FLSA's #1 violation. If in doubt, use our paycheck calculator to verify your situation.
How do I calculate my hourly rate from a salary?
Divide your annual salary by 2,080 (40 hrs × 52 weeks) to get your equivalent hourly rate. Example: $52,000 ÷ 2,080 = $25/hr. For 37.5-hour work weeks, divide by 1,950. This matters when comparing job offers that mix hourly and salary positions — a $50,000 salary job with 45-hour weeks is effectively $21.37/hr, lower than a $24/hr hourly job at 40 hours.
Does overtime affect my taxes?
Overtime wages are taxed as ordinary income — there is no special overtime tax rate. However, a high-overtime week may trigger higher withholding if the employer annualizes that paycheck. The result is a temporary over-withholding that gets refunded when you file your annual return. FICA (Social Security 6.2%, Medicare 1.45%) applies to overtime wages the same as regular wages, up to the wage base ($178,000 for Social Security in 2026).