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Time Card Calculator with Lunch Break & Overtime

Tired of errors in your Excel time card template with lunch breaks? Our free printable time card clock calculator, professional tool automates everything. This powerful time card calculator with lunch automatically applies overtime rules and subtracts breaks, giving you a precise payroll calculation every time, guaranteed.

Employee Details

Payroll Configuration

California Rules: OT after 8 hrs/day & 40 hrs/week. Double Time after 12 hrs/day. 7th consecutive day rules apply.
Alaska Rules: OT after 8 hrs/day & 40 hrs/week.
Colorado Rules: OT after 12 hrs/day & 40 hrs/week.
Kentucky Rules: OT after 40 hrs/week. Work on the 7th consecutive day of the workweek is also paid at OT rates.
Nevada Rules: OT after 8 hrs/day & 40 hrs/week. (Applies to employees earning less than 1.5x minimum wage).
New York Rules: OT after 40 hrs/week. Spread of hours pay may also apply if workday exceeds 10 hours (not calculated here).
Oregon Rules: OT after 40 hrs/week. Daily OT after 10 hours may apply in some industries (like manufacturing).
Washington Rules: OT after 40 hrs/week.
Manual Mode: You are in full control. Configure all overtime thresholds below.

Tax & Deduction Settings

Quick Shift Templates

Save time by applying predefined shift patterns for employees with consistent schedules.

Daily Time & Break Entries

Monday
Tuesday
Wednesday
Thursday
Friday
Saturday
Sunday

How to Calculate a Time Card with Lunch Breaks

1. Configure Your Rules

First, select your state's overtime rules. Our tool handles federal and state-specific laws. Then, input the employee's hourly wage to enable pay calculations.

2. Enter Time & Lunch Breaks

For each workday, input the clock-in and clock-out times. Most importantly, enter the total unpaid time for lunch or other breaks in the "Break/Lunch (Minutes)" field for an accurate time card calculation.

3. Get Your Report

Click to calculate and receive a detailed report showing total hours worked, overtime breakdown, and a full gross-to-net pay summary. Export to CSV for your records, a huge upgrade over any Excel time card template.

Why HR Professionals Choose Our Calculator

Legal Compliance

Built-in FLSA, California, Alaska, and more state overtime rules, plus proper tax calculations and support for standard rounding rules.

Professional Export

Export detailed CSV files for direct import into payroll systems. Print professional timesheets with company branding and compliance information.

Smart Automation

Predefined shift templates, automatic overnight shift detection, and intelligent overtime calculations based on daily, weekly, and 7th day rules.

Advanced Calculations

Handle complex payroll scenarios including double-time, multiple breaks, tax withholdings, and custom deductions in one comprehensive tool.

Visual Analytics

Dashboard with performance metrics, pay distribution charts, and overtime analysis to help identify patterns and optimize scheduling.

Privacy & Security

All calculations performed in your browser. No data transmission to servers and no storage of sensitive payroll information on our systems.

Payroll Best Practices

Time Tracking Tips

  • Always round time consistently using the same method.
  • Track lunch break times accurately, as unpaid breaks do not count toward overtime.
  • Review state-specific overtime laws beyond federal FLSA requirements.
  • Keep detailed time card records for at least 3 years for compliance.

Compliance Reminders

  • Non-exempt employees must receive overtime pay for hours over 40/week.
  • Some states (CA, AK, etc.) require overtime for hours over 8/day as well.
  • Meal breaks of 30+ minutes can be unpaid only if the employee is relieved of all duties.
  • Regular rate of pay must include certain bonuses for OT calculation.

Payroll & Overtime FAQ

How do I use this time card calculator with lunch breaks?

Simply enter your clock-in and clock-out times for each day. Then, in the 'Break / Lunch (Minutes)' field, enter your total unpaid break time, like '30' or '60'. Our tool automatically subtracts this from your work hours before calculating overtime and pay, ensuring an accurate timesheet.

What is the difference between FLSA and other overtime rules?

FLSA is the federal US standard requiring overtime after 40 hours a week. States like California (CA), Alaska (AK), and Colorado (CO) have stricter rules, often requiring daily overtime after a certain number of hours. Our free online time card calculator with breaks lets you select your location to apply these rules automatically.

Is this a good alternative to an Excel time card template with lunch breaks?

Absolutely. While an Excel template is functional, our online tool prevents common formula errors, automatically applies complex overtime laws, provides a user-friendly interface with date pickers, generates detailed printable reports, and includes advanced features like tax estimations, making it more robust and easier to use.

Are my timesheet calculations private and secure?

Yes, 100%. All calculations are performed directly in your browser. No employee names, hours, or pay rate data is ever sent to our servers. Your information remains completely private to your computer.

Can I customize the overtime rules for my company policy?

Yes. Select 'Manual / Custom Configuration' from the 'Overtime Rules' dropdown. This will reveal inputs for daily overtime, double time, weekly overtime, and even the 7th consecutive day rule, giving you full control over the calculations.