Loan Time Card Calculator
A real week, not a single shift: seven day rows with clock-in, clock-out and unpaid breaks — overnight shifts included — plus the overtime rules payroll actually uses. Daily overtime over 8 hours and weekly overtime over 40 are combined the standard way, so no hour is ever paid twice, and the result is a timesheet you can print.
Leave a day’s times blank for a day off. A clock-out earlier than the clock-in is treated as an overnight shift into the next morning. Break minutes are unpaid and come off the shift before overtime is counted.
The week, day by day
| Day | Hours worked | Regular | Overtime |
|---|---|---|---|
| Calculate to see the day-by-day split. | |||
Use the Print / Save PDF button above the calculator to keep this timesheet — it prints the results and this table without the ads or navigation.
How it works
Each shift is clock-out minus clock-in — a clock-out at or before the clock-in rolls into the next day, which is how overnight shifts work — minus the unpaid break, with optional rounding of the shift to the nearest 15 minutes. Overtime is counted once, never twice: first, hours beyond 8 in a single day are marked daily overtime (where your rules use it — California-style and many union and employer policies do). Then the remaining non-overtime hours are totalled for the week, and anything beyond 40 of those is weekly overtime under the standard federal (FLSA) rule. Because the daily-overtime hours are removed before the weekly test, the same hour can never collect both premiums. Overtime pays 1.5× the rate; regular hours pay 1×. Double-time rules (over 12 hours, seventh consecutive day) exist in some states and contracts and are not modelled here.
Formula & worked example
Formula: Shift hours = (clock-out − clock-in, plus 24 hours when the clock-out is earlier — the overnight rule) − unpaid break, optionally rounded to the nearest 15 minutes. Overtime: daily OT = hours past 8 in a day (when the daily rule is on); weekly OT = hours past 40 in the week counted on the hours that are not already daily OT, so no hour earns both premiums. Gross = regular × rate + overtime × rate × 1.5.
Worked example: Monday to Friday at $20 an hour: 9:00–17:30 four days with 30-minute breaks (8.0 hours each), Wednesday stretched to 19:00 (9.5 hours), Thursday an overnight 22:00–6:00 (7.5 hours) and Friday 9:00–17:00 (7.5 hours). The week totals 40.5 hours: Wednesday's 1.5 hours past 8 are daily overtime, the remaining 39 hours stay under the weekly line, and gross pay is $825.00 — $780.00 regular plus $45.00 of overtime. Turn the daily rule off and the same week pays $815.00, with 0.5 hours counted as weekly overtime instead.
When to use this
- You are hourly and your pay stub looks light — rebuild the week here and compare the regular/overtime split line by line.
- You run payroll for a small crew and need a clean weekly total with daily and weekly overtime handled correctly.
- You work rotating or overnight shifts and want to check that the wrap-around hours were counted.
- You are comparing two job offers with different overtime rules — run the same week through both settings.
How to use it, step by step
- Enter the hourly rate and pick a rounding rule — nearest 15 minutes is the common payroll convention.
- Set the overtime rules your job actually uses: daily over 8, weekly over 40, both, or neither.
- Fill each day's clock-in, clock-out and unpaid break. Leave days off blank; an earlier clock-out than clock-in counts as an overnight shift.
- Read the gross at the top, then the day-by-day table to confirm each shift landed the way you expected.
- Use the Print / Save PDF button to keep the timesheet — the printout carries the results and the table, nothing else.
What the inputs mean
| Input | What it is | Typical values |
|---|---|---|
| Pay rate | Your hourly wage before tax | Overtime pays 1.5× this rate |
| Rounding | Per-shift rounding to the nearest 15 minutes | 7 minutes rounds down, 8 rounds up |
| Daily overtime | Hours past 8 in a day paid at 1.5× | State/employer rule — California-style when on |
| Weekly overtime | Hours past 40 in the week paid at 1.5× | The standard federal rule when on |
| Clock in / out | Shift start and end; earlier out = overnight | Booked to the day the shift starts |
| Unpaid break | Minutes deducted from the shift before overtime | Typically 30 for a meal break |
Another worked example
A shorter week with a long day: Monday to Thursday, 8:00–18:30 with a 30-minute break (10 hours a day), Friday off, at $18 an hour with both overtime rules on. Each day puts 2 hours into daily overtime — 8 daily OT hours — leaving 32 regular hours, so the weekly rule adds nothing. Gross is $792.00: $576.00 regular plus $216.00 of overtime. With the daily rule off, the same 40 hours contain no weekly overtime at all and pay a flat $720.00 — a $72 difference created purely by which rulebook applies.
Frequently asked questions
How do daily and weekly overtime combine without double-counting?
Daily first, weekly second, on what is left. Take the default week: 40.5 hours total, with Wednesday running 9.5 hours. The 1.5 hours past 8 on Wednesday are daily overtime. The other 39 hours are under the 40-hour weekly line, so weekly overtime is zero — total overtime 1.5 hours, gross $825.00 at $20. Switch daily overtime off and the same week pays $815.00 instead: now the 0.5 hours past 40 are weekly overtime. Same hours, different rule, different pay — and in neither case is any hour paid at both premiums.
How are overnight shifts handled?
A clock-out earlier than the clock-in is read as the next morning. Thursday’s 22:00 to 06:00 shift with a 30-minute break counts 7.5 hours — and it stays on Thursday’s row, the day the shift started, which is how most payroll systems book it.
What does the 15-minute rounding do?
It rounds each shift’s length to the nearest quarter hour — the long-standing payroll convention (7 minutes rounds down, 8 rounds up). A 9:07 start to a 17:00 finish with a 30-minute break is 7.38 raw hours and 7.5 rounded. Rounding applies per shift, before overtime, which is the order payroll uses.
My state pays daily overtime. Is this the rule?
This models the common version — everything past 8 in a day at 1.5× — which matches the headline rule in states like California, but real state rules add double-time tiers (past 12 hours, or a seventh straight day) and exceptions this calculator does not model. Use it for a close estimate and your state labor board or payroll department for the binding number.
Why does my paycheck differ from this estimate?
Usually taxes and deductions (this is gross pay), a different workweek start day, paid-but-unworked hours like holidays, or an employer policy more generous than the legal floor. The hours split — regular versus overtime — should match your pay stub closely; if it does not, the stub’s workweek definition is the first thing to check.
⏰ One rate, one period instead?
For a single overtime rate across a pay period — no timesheet — the Overtime Calculator totals 1.5× and 2× hours weekly, monthly and annually.
Which day does an overnight shift belong to?
The day it starts, in this calculator and in most payroll systems. A Friday 22:00–06:00 shift is Friday's 7.5 hours (with a 30-minute break), even though most of the clock time is Saturday. If your employer books overnights to the day they end, total the week both ways — the weekly overtime line is where the difference would show.
Do salaried employees get overtime on this math?
Only if they are non-exempt. Salaried-exempt employees (many professional, executive and administrative roles over the salary threshold) are outside the federal overtime rules entirely, and this calculator would overstate their pay. If you are salaried and unsure of your status, that classification question matters more than any number here — your state labor board publishes the tests.