How to use the Time Card Calculator
- Enter the clock-in time for each day you worked.
- Enter the clock-out time. The calculator automatically recognizes a clock-out after midnight.
- Add unpaid break minutes, such as a 30-minute lunch.
- Enter your hourly rate if you want an estimated gross-pay calculation.
- Adjust the weekly overtime threshold and overtime multiplier to match the rule you want to calculate.
You can leave non-working days blank. If a row is incomplete or a break is longer than the shift, the calculator flags that day and excludes it from the total until it is corrected.
How time-card hours are calculated
For each day, worked time equals the elapsed time between clock-in and clock-out minus the unpaid break. The daily totals are then added together for the week.
Time is calculated to the minute and then displayed both as hours and minutes and as decimal hours. The calculator does not round individual punches to payroll increments.
Regular vs. overtime hours
By default, EarningsMath uses a 40-hour weekly threshold and a 1.5× overtime multiplier. Both values are editable. In biweekly mode, the threshold is applied separately to Week 1 and Week 2 rather than to the combined two-week total.
Important: This calculator performs arithmetic using the threshold and multiplier you enter. Overtime laws, exemptions, agreements, and employer policies can vary. EarningsMath does not determine whether a worker is legally entitled to overtime.
Overnight shifts
If the clock-out time is earlier than the clock-in time, the calculator assumes the shift continued past midnight into the next day.
Decimal hours
Payroll and timesheets often use decimal hours instead of hours and minutes. Divide minutes by 60 to convert them to a decimal fraction of an hour.
Example weekly time card
Suppose an employee works 8:00 AM to 5:00 PM Monday through Friday with a 30-minute unpaid break each day. Each day totals 8.50 hours, for 42.50 hours in the week.
With a 40-hour threshold, 40.00 hours are regular and 2.50 hours are overtime. At $20/hour and a 1.5× multiplier, regular pay is $800.00, overtime pay is $75.00, and estimated gross pay is $875.00.
Time Card Calculator FAQ
How do I calculate hours worked?
Find the elapsed time between clock-in and clock-out, then subtract any unpaid break. If a shift ends after midnight, treat the clock-out time as occurring on the following day.
How do I subtract a lunch break?
Enter the unpaid break in minutes for that day. A 30-minute unpaid lunch subtracts 0.50 hours from the shift total.
Can this calculator handle overnight shifts?
Yes. When the clock-out time is earlier than the clock-in time, EarningsMath treats the clock-out as occurring the next day. For example, 10:00 PM to 6:00 AM is an 8-hour elapsed shift before breaks.
How are overtime hours calculated?
The calculator compares each week's total worked hours with the overtime threshold you enter. Hours above that threshold are multiplied by the overtime multiplier you enter for the pay estimate.
What are decimal hours?
Decimal hours express minutes as a fraction of an hour. For example, 15 minutes is 0.25 hours, 30 minutes is 0.50 hours, and 45 minutes is 0.75 hours.
Can I use this for a biweekly time card?
Yes. Switch the period to Biweekly to enter two seven-day weeks. The overtime threshold is applied separately to each week instead of combining both weeks into one overtime calculation.
Is estimated gross pay the same as take-home pay?
No. Estimated gross pay is the arithmetic result before taxes, benefit deductions, garnishments, reimbursements, bonuses, and other payroll adjustments.