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Time Card Calculator (Timesheet Calculator)
More options week start, multipliers, breaks, rounding, 12/24-hour
| Day | In / Out | Break |
|---|---|---|
Keep and send this time card
Email opens your email app with the card as plain text and a link that reopens it here. Save as PDF opens the print window: choose “Save as PDF” as the printer.
Saved time cards
Saved cards stay in this browser on this device. Nothing is uploaded.
Type each day's clock-in and clock-out times and take off the unpaid lunch. This time card calculator then splits the week into regular hours, overtime and gross pay. It is built for the week when payroll needs that overtime line. For a plain count of hours, the work hours calculator is quicker. Two weeks at once fit on the biweekly timesheet calculator.
Punch in and out and subtract lunch. A day can hold up to four punch pairs for split shifts, and punches can round to 5, 6, 10 or 15 minutes. Hours split into regular, overtime and double time under federal or state-style rules. Add your hourly rate for gross pay. Your entries save in this browser as you type. Save each week by name, email the card or save it as a PDF. Copy link shares the exact card.
Quick answer: For each day, take the clock-in time away from the clock-out time. Remove any unpaid meal break, then add the days together. Under the federal FLSA, a nonexempt worker's hours above 40 in a workweek are overtime. They are paid at no less than 1.5 times the regular rate.
Estimates only. Not legal or payroll advice. Overtime rules depend on your location and employer.
What this time card includes
Each row is one workday. Net hours are all the punch pairs for the day minus the unpaid break. A day takes up to four pairs, and "+ punch" adds one. Overnight pairs are handled one by one. Same in and out is 0 hours. Enter the break as minutes or as lunch out and lunch in times, and mark breaks paid or unpaid. An optional setting deducts a 30-minute unpaid lunch from single-punch shifts over 6 hours when no break is entered. A break longer than the punched time is rejected.
Pick the day your workweek starts: Monday, Sunday or Saturday. Then pick an overtime rule. Federal pays overtime over 40 hours a week. California adds daily overtime over 8 hours at 1.5×, double time over 12, weekly overtime over 40 and a 7th-consecutive-day rule. There is also daily 8 plus weekly 40 (Alaska and Nevada style), Colorado (over 12 a day or 40 a week), or your own daily and weekly limits. Weekly overtime counts only regular hours, so no hour is paid as overtime twice. Optional rounding to 5, 6, 10 or 15 minutes (nearest, up or down) shows actual and rounded time side by side. The same tool works as a time clock calculator or a printable timecard with signature lines.
Time clock rounding on this time card
Many payroll systems round each punch to a set interval. Pick one under Round punches and every in and out time is rounded before the day is added up. So hours, overtime and pay all use the rounded times. The results name the rounding used, such as "Rounded to the nearest 15 minutes (7-minute rule)". The actual time worked sits next to it.
- Nearest 5 minutes. 8:02 becomes 8:00 and 8:03 becomes 8:05.
- Nearest 6 minutes (tenth of an hour). 6 minutes is 0.1 hour. So totals come out in tenths, such as 7.9 hours.
- Nearest 10 minutes. 8:04 becomes 8:00 and 8:05 becomes 8:10.
- Nearest 15 minutes, the 7-minute rule. Punches 1 to 7 minutes past a quarter hour round back and 8 to 14 minutes round forward. So 8:07 is 8:00 and 8:08 is 8:15.
Under federal law (29 CFR 785.48), rounding to the nearest 5 minutes, tenth of an hour or quarter hour is allowed if it averages out. Over time, employees must be paid for all the time they actually work. A policy that only ever rounds down, or only rounds in the employer's favor, does not meet that test. Some states, such as California, are stricter. To see how one punch rounds under each rule, use the time clock rounding calculator.
Save, email or print your time card
Whatever is on the card stays in this browser while you type. So closing the tab does not lose a half-filled week. To keep several weeks, name the card, say "Jane Doe, week of Oct 5", and press Save this week. Saved weeks appear under the calculator with their total hours, ready to load or delete. Nothing is uploaded anywhere. A private window that blocks storage hides the saved list, though Copy link still works.
Email this time card starts a message in your own email app. It lists every day's punches, the totals, overtime, rounding and estimated pay, plus a link that reopens the card. Save as PDF opens the print window with just the card and two signature lines. Pick "Save as PDF" or "Microsoft Print to PDF" as the printer.
Worked example: a 48-hour week with a split shift
Picture someone on $20.00 an hour, with overtime at time and a half after 40 hours. Four days run 8:00 AM to 5:00 PM with a 30-minute unpaid lunch. That leaves 8 hours 30 minutes each, or 34 hours together.
Wednesday is a split shift, 7:00 AM to 11:00 AM and then noon to 5:30 PM. The hour in the middle is already off the clock. So the break box stays at 0 and the day comes to 9 hours 30 minutes. Saturday adds a straight 4 hours 30 minutes from 8:00 AM to 12:30 PM.
Added together, the week comes to 48 hours. The first 40 earn $20.00 each and the last 8 earn $30.00, so the check shows $800.00 of regular pay and $240.00 of overtime.
Result: 48:00 hours (40.00 regular + 8.00 overtime), estimated gross $1,040.00.
Overtime reference table
| Weekly hours | Decimal | Regular | Overtime | Gross at $20/hr |
|---|---|---|---|---|
| 36:00 | 36.00 | 36.00 | 0.00 | $720.00 |
| 38:00 | 38.00 | 38.00 | 0.00 | $760.00 |
| 40:00 | 40.00 | 40.00 | 0.00 | $800.00 |
| 42:00 | 42.00 | 40.00 | 2.00 | $860.00 |
| 42:30 | 42.50 | 40.00 | 2.50 | $875.00 |
| 44:00 | 44.00 | 40.00 | 4.00 | $920.00 |
| 45:00 | 45.00 | 40.00 | 5.00 | $950.00 |
| 46:00 | 46.00 | 40.00 | 6.00 | $980.00 |
| 47:30 | 47.50 | 40.00 | 7.50 | $1,025.00 |
| 48:00 | 48.00 | 40.00 | 8.00 | $1,040.00 |
| 50:00 | 50.00 | 40.00 | 10.00 | $1,100.00 |
| 52:30 | 52.50 | 40.00 | 12.50 | $1,175.00 |
| 55:00 | 55.00 | 40.00 | 15.00 | $1,250.00 |
| 60:00 | 60.00 | 40.00 | 20.00 | $1,400.00 |
How to calculate hours on a time card with lunch
Most cards are worked out the same way: clock-out minus clock-in, then the unpaid lunch comes off. Someone working 8:00 AM to 4:30 PM is on the clock for 8 hours 30 minutes and is paid for 8 once a half-hour lunch is gone. Anyone who punched out and back in for lunch enters two punch pairs and leaves the break at 0, because the gap is already left out. The lunch break calculator shows clock time and paid time for one shift, and hours over 40 in a week are overtime under federal law.
Time card hours in Excel or Google Sheets
A spreadsheet copy of the card needs clock-in in B2, clock-out in C2 and the unpaid lunch minutes in D2, with the row copied down for each day.
| What you want | Formula |
|---|---|
| Daily hours with lunch | =MOD(C2-B2,1)*24-D2/60 |
| Week total in E2:E8 | =SUM(E2:E8) |
| Regular hours (up to 40) | =MIN(40,SUM(E2:E8)) |
| Overtime hours | =MAX(0,SUM(E2:E8)-40) |
| Gross pay, rate in H1 | =MIN(40,SUM(E2:E8))*H1+MAX(0,SUM(E2:E8)-40)*H1*1.5 |
Mistakes that change the hours
Taking lunch off twice happens a lot on cards with four punches. When lunch already shows as a gap between two pairs, that day's break box should stay at 0.
Minutes and decimals get swapped as well. A time card showing 8:30 means 8.50 hours, not 8.30, and the Decimal column is the figure payroll wants.
Overtime cannot be averaged over two weeks under federal rules. A worker with 30 hours one week and 50 the next still earns 10 overtime hours in the second week. Each workweek stands alone.
Short rest breaks are a final trap. Breaks of roughly 5 to 20 minutes are paid time under federal rules. So only a real meal period, when you are fully off duty, goes in the unpaid break box.
Time card and time clock questions
Most of these come from hourly workers checking a paycheck and from small employers doing payroll by hand.
How do I calculate time card hours?
Subtract each day's clock-in from its clock-out and take off the unpaid meal break. A Monday from 9:00 AM to 5:30 PM with a half-hour lunch comes to 8 hours. The calculator adds every day into a weekly total.
Does the time card calculator work with breaks and lunch?
Lunch can go in as minutes or as lunch-out and lunch-in times. Each break can be marked paid or unpaid. An optional setting also takes 30 minutes off any single-punch shift over 6 hours with no break entered. That suits jobs with an automatic lunch deduction.
How is overtime worked out on a time card?
Choose the rule that applies. The federal rule pays overtime after 40 hours a week. The California setting adds daily overtime after 8 hours, double time after 12 and a seventh-day rule. Other presets cover daily 8 plus weekly 40, and Colorado. These are estimates rather than legal advice, so check your state.
Does the time card round punches?
Only if you pick a rounding setting. It can round to 5, 6, 10 or 15 minutes, to the nearest interval, always up or always down. A punch at 8:07 under the 7-minute rule becomes 8:00. The results show the actual time worked next to the rounded total.
What is the 7-minute rule?
It rounds punches to the nearest quarter hour. Clocking in 1 to 7 minutes past the quarter rounds back. Clocking in 8 to 14 minutes past rounds forward, so 8:08 becomes 8:15. Federal rules accept it when it evens out over time.
How do I enter a split shift?
Fill in the first block, then press "+ punch" for each return to work that day, up to four pairs. A server who works lunch and dinner would enter two pairs, and the gap between them is already unpaid.
Is a 30-minute lunch break paid?
Under the federal FLSA, a real meal break of 30 minutes or more is unpaid if you are fully relieved from duty. Short rest breaks of 5 to 20 minutes stay paid. Several states add their own meal and rest break rules.
What is the difference between a time card and a timesheet?
A time card records the actual clock-in and clock-out punches, like the old cardboard cards in a punch clock. A timesheet usually lists hours per day, sometimes per project, and the weekly timesheet calculator takes hours entered that way.
Can I print or save a time card for each week?
Name the card and press Save this week to keep it in this browser. Print gives a copy with signature lines for the employee and a supervisor. Download CSV gives the same rows for a spreadsheet.
Sources
- U.S. Department of Labor: Overtime Pay — overtime after 40 hours in a workweek at 1.5× the regular rate.
- 29 CFR 778.104 — each workweek stands alone; no averaging across weeks.
- DOL Fact Sheet #22: Hours Worked — paid rest breaks and unpaid bona fide meal periods.
- 29 CFR 785.48 — rounding punches to the nearest 5 minutes, tenth or quarter of an hour, if it averages out.
Cite this page
APA: ClockTotals. (2026, October 16). Time Card Calculator (Timesheet Calculator). https://clocktotals.com/time-card-calculator/
MLA: “Time Card Calculator (Timesheet Calculator).” ClockTotals, 16 Oct. 2026, clocktotals.com/time-card-calculator/.
Link (HTML): <a href="https://clocktotals.com/time-card-calculator/">Time Card Calculator (Timesheet Calculator)</a>