Timecard, overtime and payReviewed 29 Sep 2026Runs in your browser

Hours & Work Shift Calculator with Overtime

Enter your clock-in, meal break and clock-out times for the week or pay period. Get total hours in decimals and hours-and-minutes, regular and overtime hours under weekly or daily overtime rules, and your gross pay with an estimate of take-home. Overnight shifts are handled automatically.

Who wrote it

Written by Suhaib Hassan. Overtime rules follow the US Fair Labor Standards Act. Our methodology.

How the engine works

It rounds each punch as you choose, subtracts unpaid meals, wraps past midnight, then applies your overtime rule day by day.

Why we built it

Timecards, payroll and invoices all need hours in different formats. This shows every one and how overtime was reached.

Time fields show in your device's 12- or 24-hour format.

Pay rate and overtime rules

$
DayShift inMeal outMeal in (unpaid)Shift outNet hoursOvertimePay

Leave a row empty for a day off. If the shift out is earlier than the shift in, the shift is treated as overnight. Leave the meal boxes empty if there was no unpaid break.

Total hours worked—
—hours

—

Regular—
Overtime—
Hours and minutes—
Gross pay—
Pay breakdown—
% of gross

FICA is 7.65% (6.2% Social Security plus 1.45% Medicare). Income tax varies, so set your own rate. This is an estimate only.

The 7-minute rounding rule

Under 29 CFR 785.48(b), employers may round punches to the nearest five minutes, tenth or quarter hour if the rounding averages out over time and does not favour the employer.

Actual punch minutesRounded toDecimalRule
:53 through :07:00.00Rounds to the hour
:08 through :22:15.25Rounds to the first quarter
:23 through :37:30.50Rounds to the half hour
:38 through :52:45.75Rounds to the third quarter

Minutes to decimal hours

Quick conversion for timecards. Decimal hours are minutes divided by 60.

MinutesDecimal hoursMinutesDecimal hoursMinutesDecimal hours
Formulas

How hours and pay are worked out

Net hours

(out − in) − (meal in − meal out), plus 24 h if the shift crosses midnight

Overtime (weekly)

regular = min(hours, 40); overtime = hours − 40

Gross pay

pay = regular × rate + overtime × rate × 1.5 + double time × rate × 2
Rules

Overtime varies by place

Federal law requires 1.5× pay after 40 hours in a workweek for covered, non-exempt employees. Some states add daily overtime, and California also pays double time after 12 hours in a day and has special rules for the seventh consecutive day. This tool does not apply that seventh-day rule.

Bona fide meal periods of 30 minutes or more are generally unpaid if you are fully relieved of duty (29 CFR 785.19).

Worked examples

Illustrative timecards, each checked by hand. The first is the default week.

Default week

Mon–Thu 8:30–17:15 with 45 min meal, Fri 8:00–20:00 with 30 min, $24.50 an hour.

Mon–Thu: 8:45 − 0:45 = 8.00 h × 4 = 32.00
Fri: 12:00 − 0:30 = 11.50 h
total = 43.50 h = 40 reg + 3.5 OT
40 × 24.50 = 980.00
3.5 × 36.75 = 128.63
gross = $1,108.63

Overnight shift

22:00 to 06:30 with a 30 minute meal.

22:00 → 06:30 = 8.5 h (crosses midnight)
− 0.5 h meal = 8.00 h

Decimal to hours and minutes

8.75 hours.

0.75 × 60 = 45 min
8 h 45 min
and 8 h 20 min = 8 + 20/60 = 8.33 h

How to calculate hours worked

  • Record the time you clocked in and out each day, and any unpaid meal break.
  • Subtract the break from the time between in and out.
  • Add the daily hours, then apply your overtime rule to the week to find regular and overtime hours.
  • Multiply by your rates to get gross pay, and subtract taxes to estimate take-home.

Payroll rules depend on your employer, state and job type. Exempt employees are not entitled to overtime, so check your status before relying on the numbers.

By Suhaib Hassan · Reviewed 29 September 2026 · How CalculatePilot verifies formulas →

Sources

  • U.S. Department of Labor, Fair Labor Standards Act, overtime provisions (29 U.S.C. 207).
  • 29 CFR 785.19 (meal periods) and 785.48 (rounding practices).
  • California Department of Industrial Relations, Overtime (daily and double-time rules).
  • IRS, Topic 751: Social Security and Medicare Withholding Rates.

Frequently asked questions

How do I calculate hours worked with a lunch break?

Subtract the clock-in time from the clock-out time and then subtract the unpaid break. From 8:30 to 17:15 with a 45 minute lunch is 8 hours 45 minutes minus 45 minutes, which is 8.00 hours.

How do I turn minutes into a decimal?

Divide the minutes by 60. Fifteen minutes is 0.25 hours, 30 minutes is 0.50, 45 minutes is 0.75 and 20 minutes is 0.33 hours.

How is overtime calculated?

Under federal law, non-exempt employees earn at least 1.5 times their regular rate for hours over 40 in a workweek. Some states also count hours over 8 in a day. Choose the rule that applies to you.

What is the 7-minute rule?

It is a common way of rounding time clocks to the nearest quarter hour: punches 1 to 7 minutes past a quarter round down and 8 to 14 minutes round up. Rounding is allowed if it averages out fairly over time.

Are meal breaks paid?

Generally not, if the break is at least 30 minutes and you are completely relieved of duty. Short rest breaks of about 5 to 20 minutes are normally paid under federal rules.

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