Total your weekly hours from daily hours worked — regular and overtime split out — and estimate gross pay.
Totals paid hours (daily hours minus unpaid break) across the week, splitting anything over 40 as overtime at 1.5× (US FLSA standard for non-exempt workers). Some states use daily overtime rules. Shows GROSS pay before taxes. General information only.
A weekly time card totals your paid hours — daily hours minus unpaid breaks — then splits anything past 40 into overtime. At time-and-a-half, those hours are worth more, so seeing the regular/overtime split (and the gross pay it implies) helps you check a paycheck.
A time card answers one question: how many hours am I being paid for this week, and how are they split? The arithmetic is deliberately plain — paid hours per day are the hours you were there minus the break you were not paid for, the week is that figure times the days you worked, and anything past 40 is overtime. Everything interesting is in the two inputs people skip: the unpaid break, and which hours count as overtime.
What this calculator does not know is your employment status or your state. It applies the federal FLSA weekly rule — over 40 hours in a workweek, at 1.5× — to a non-exempt hourly worker. It does not know whether you are exempt, whether your state adds a daily overtime rule, whether your break is legally required to be paid, or whether your employer rounds clock punches. It also shows gross pay, before a cent of tax comes out.
Five days, 8.5 hours a day, a 30-minute unpaid break, $22 an hour. The break is 30 ÷ 60 = 0.5 hours, so paid hours per day are 8.5 − 0.5 = 8.00. Across five days that is 40.00 hours — which lands exactly on the federal threshold, so regular hours are 40, overtime is zero, and gross pay is 40 × $22 = $880.00.
That result is worth sitting with, because it shows what the break field is for. Count the same week without subtracting the break and you get 42.5 hours: 40 regular at $22 plus 2.5 overtime at $33, which is $880 + $82.50 = $962.50. The $82.50 gap is not rounding. It is the half hour a day you are on site and not being paid for — and over a 52-week year that is 0.5 × 5 × 52 = 130 hours, worth $2,860 at this rate. Whether that half hour should be unpaid is a legal question about whether you are genuinely relieved of duty; if you eat at your desk and answer the phone, it usually should not be.
The federal floor is the weekly one: over 40 hours, 1.5× the regular rate, for non-exempt employees. Several states layer a daily rule on top — California is the well-known case, with overtime past 8 hours in a day — and on these defaults that changes nothing, because 8.00 paid hours a day is exactly at the line rather than over it. Shift the day to 9 hours worked and the two rules diverge sharply, which is the moment to check your own state rather than a national rule of thumb.
Two more honest caveats. First, a "regular rate" for overtime purposes can be higher than your base hourly rate if you also receive non-discretionary bonuses or shift differentials, so 1.5 × $22 is the floor, not always the answer. Second, if you are a contractor rather than an employee, none of the overtime rules apply to you at all — you are paid what your agreement says, and you owe self-employment tax on it.
One week is a sum. Thirteen weeks across three clients, with different rates, unpaid breaks and invoice dates, is a ledger — and it is the ledger, not the sum, that tells you whether you are actually earning your rate. Our freelance income tracker keeps hours, rates and invoices together so the week's total flows into what you billed. For the after-tax figure use the take-home pay calculator, and for a week that does run past 40, the overtime pay calculator breaks the premium out.
Federally, over 40 hours in a week for non-exempt employees, paid at 1.5×. Some states (like California) add daily overtime past 8 hours — check your local rules.
No — it's gross, before taxes and deductions. Use the take-home pay calculator for the after-tax figure.
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Yes. The Time Card Calculator is completely free, runs in your browser, and never asks for a signup, email, or download. Enter your numbers and the result updates instantly.
It uses standard formulas and recalculates the moment you change a value, so the math is exact for the inputs you enter. Treat the result as a reliable planning estimate; for decisions with legal or tax consequences, confirm the figures with a qualified professional.
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Last reviewed: September 2026. Free to use, no signup — Time Card Calculator by ToolWise Digital.
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