Time card calculator
This time card calculator adds up a full week: enter each day’s start and end time and unpaid lunch break, and it totals your hours in hours and minutes and in decimal, then works out gross pay with overtime past 40 hours.
- Seven days with lunch breaks
- Weekly total in h:mm and decimal
- Gross pay with overtime at 1.5×
Last updated
How to use the time card calculator
- For each day you worked, enter the start time and end time. Leave days off blank.
- Enter the unpaid lunch or meal break for that day in minutes, such as 30 or 60.
- Add your hourly rate. Hours past 40 in the week are paid at the overtime rate you pick (federal law requires at least 1.5×).
- Check the daily totals and the weekly total, then press Print time card to print or save it as a PDF.
How the time card is totaled
For each day, subtract the start time from the end time and take off the unpaid break. A shift that ends after midnight gets 24 hours added to its end time. Then add the seven days together.
weekly hours = Σ (end − start − unpaid break)
For pay, the first 40 hours are paid at the regular rate and hours past 40 at the overtime rate:
gross pay = regular hours × rate + overtime hours × rate × 1.5
Worked example
This is the calculator’s default card: Monday to Friday, 8:00 AM to 5:00 PM, with a 30-minute unpaid lunch each day, at $20.00 an hour.
- Each day: 8:00 AM to 5:00 PM is 9 hours. Minus 30 minutes for lunch, that is 8 hours 30 minutes.
- Five days: 5 × 8:30 = 42 hours 30 minutes, or 42.50 decimal hours.
- Regular hours: 40 × $20.00 = $800.00.
- Overtime hours: 2.50 × $20.00 × 1.5 = 2.50 × $30.00 = $75.00.
- Gross pay: $800.00 + $75.00 = $875.00 before taxes and deductions.
Two-week (biweekly) time cards
If you are paid every two weeks, total each week on its own. Federal overtime is counted per workweek, and two weeks cannot be averaged together. A worker with 45 hours one week and 35 the next has 5 overtime hours, even though the two weeks add up to 80.
To do a biweekly card, fill in week one, write down the totals, press Clear all days, then fill in week two. Add the two gross pay figures for the paycheck.
Converting minutes for a time card
Payroll systems usually want decimal hours. Divide the minutes by 60.
| Time card shows | Decimal hours |
|---|---|
| 7:15 | 7.25 |
| 7:30 | 7.50 |
| 7:45 | 7.75 |
| 8:20 | 8.33 |
| 8:40 | 8.67 |
| 42:30 | 42.50 |
Common questions
How do I calculate my time card with a lunch break?
For each day, subtract the start time from the end time, then subtract the unpaid lunch. 8:00 AM to 4:30 PM with a 30-minute lunch is 8 hours 30 minutes minus 30 minutes, which is 8 hours.
How do I total hours and minutes for the week?
Add the hours and minutes separately, then turn every 60 minutes into an hour. Five days of 8:30 is 40 hours 150 minutes, which is 42 hours 30 minutes, or 42.5 decimal hours.
When do I get overtime on my time card?
Under the federal Fair Labor Standards Act, non-exempt employees earn at least 1.5 times their regular rate for hours over 40 in a workweek. California, Alaska, Nevada and Colorado also have daily overtime rules; use the overtime calculator for those.
Are paid breaks taken off my time card?
No. Only unpaid breaks are subtracted. Under federal rules, short rest breaks of 20 minutes or less count as hours worked, so leave them in.
Can I print or save my time card?
Yes. Press Print time card and choose your printer, or choose Save as PDF in the print window to keep a copy. Nothing you enter is sent to a server.
Do holidays and paid time off count toward overtime?
Not under federal law. Overtime is based on hours actually worked, so a paid holiday or PTO day does not count toward the 40 hours unless your employer’s policy or contract says it does.
Related calculators
- Hours calculatorHours and minutes between two times, with breaks and overnight shifts
- Overtime calculatorOvertime and double time pay under federal and state rules
- Time calculatorAdd, subtract, multiply or divide hours, minutes and seconds
- PTO accrual calculatorPTO earned per hour worked and per paycheck, with your future balance
Sources
- U.S. Department of Labor, Overtime Pay. Time and a half past 40 hours in a workweek; no averaging across weeks. Last checked 28 October 2026
- U.S. Department of Labor, Fact Sheet #22: Hours Worked Under the FLSA. Short rest breaks are hours worked; bona fide meal periods are not
See the methodology page for how Clockfigure builds and checks its calculators.