Punch Clock MathHours, overtime and every state’s rules

Overtime & pay rules · calculator

Overtime calculator by state

Regular, overtime and double time, by your state’s rules.

Your workweek

Example

Estimate, not legal or tax advice. The notes, the rule and its sources are with the full result.

Worked 45:00; regular 40:00, overtime 5:00; gross pay $950.00.

Or just type over the example: its hours clear on your first entry.

Until you choose, the federal rule is used: over 40 hours in a workweek.

Like 19.50 or $19/hr.

Hours

Hours as 8:30 (hours:minutes), 8.5 (decimal) or 8h 30m. Leave a day empty if you didn’t work it. Breaks you weren’t paid for stay out.

  1. h
  2. h

    9:00 (9.00 h)

  3. h

    9:00 (9.00 h)

  4. h

    9:00 (9.00 h)

  5. h

    9:00 (9.00 h)

  6. h

    9:00 (9.00 h)

    Overtime 5:00 — past 40 hours in the week

  7. h

Saved on this device only, after you start typing.

The overtime split

45:0045.00 hours worked
  • Regular 40:00 (40.00 h)
  • Overtime (1.5×) 5:00 (5.00 h)

Gross pay $950.00 before taxes and deductions

RuleFederal — over 40 hours in a week at 1.5×Sources checked How the math works ↓

Pay at $20.00 an hour

  • Regular40:00 × $20.00$800.00
  • Overtime5:00 × $30.00$150.00
  • Gross paybefore taxes and deductions$950.00
  • Every hour at $20.00 $900.00
  • Overtime premium (the extra half) $50.00

Federal (FLSA) overtime: 5:00 (5.00 h); its premium, the extra half, is $50.00. Only this part can count for the 2025–2028 federal overtime deduction.

Use these overtime hours in the no-tax-on-overtime estimate
Where every overtime minute comes from
DayTimeWhy it is overtime
Fri5:00 past 40 hours in the week, at 1.5×
Total5:005.00 hours

How the math works

Hours are whole minutes from start to finish; decimals and h:mm mean the same time (8.5 = 8:30).

  1. Federal overtimeMinutes over 40 hours in the workweek are paid at 1.5 times the rate. It is always computed and is the floor.Covered, non-exempt employees must get overtime for hours worked over 40 in a workweek, at not less than 1.5 times the regular rate.29 CFR 778.107 · Overtime Pay
  2. State daily and seventh-day rulesDay by day, minutes past the state’s daily lines are paid at its rates; on the seventh day worked in a row, where the state has that rule, its seventh-day rates replace the daily ones.The FLSA does not require daily overtime (over 8 hours in a day). Daily overtime comes only from state law or contract.29 CFR 778.102
  3. State weekly rule, without double countingThe minutes left at straight time count toward the weekly line; past it they become overtime. A minute already paid as daily overtime does not count again, so every minute is paid at one rate only.
  4. The greater of the twoIf the federal rule gives more overtime pay for the week than the state rule, the result uses the federal rule and says so.
  5. One workweekEach workweek stands alone.Each workweek stands alone. Hours cannot be averaged across 2 or more weeks, whatever the pay period (biweekly, semimonthly, monthly). For example, 30 + 50 hours means 10 OT hours in week 2.29 CFR 778.105 · 29 CFR 778.104
  6. PayRegular minutes × rate ÷ 60, overtime minutes × 1.5 × rate ÷ 60, double-time minutes × 2 × rate ÷ 60, each rounded to the cent once. Example: 45:00 at $20.00 = 40:00 × $20.00 ($800.00) + 5:00 × $30.00 ($150.00) = $950.00.
  7. Two ratesThe regular rate is all straight-time pay for the week ÷ all hours; each overtime hour adds half of it. Example: 30 h at $20 + 15 h at $24 = $960.00 ÷ 45 = $21.3333; premium 5 × $10.6667 = $53.33; total $1,013.33.29 CFR 778.115
  8. The FLSA partFederal overtime minutes × half the rate. Only this part counts toward the 2025–2028 federal overtime deduction.FS-2026-01 (Jan. 2026), Questions and answers about the new deduction for qualified overtime compensation (superseded by FS-2026-13)

Every state’s rule, with its source and the date it was read, is in the overtime laws by state table. For punches, breaks and two weeks, use the time card calculator.

What this doesn’t cover

  • Exempt employees: this assumes a non-exempt employee; it never decides whether you are exempt.
  • Bonuses and commissions: they raise the regular rate; the regular rate calculator handles a weekly bonus.
  • Two rates with daily overtime: the hours split is shown, the pay is not modeled.
  • Workday start times other than midnight, alternative workweek schedules, union contracts and industry orders: they can change daily overtime; where the data knows a condition, it is asked.
  • Holiday and weekend premiums: federal law has none; a contract or a few state rules may (see the state table).
  • Meal-break and split-shift premiums: daily totals can’t show breaks or gaps between shifts. The time card flags them from the state data; neither tool adds the premium.
  • Taxes and deductions: gross pay only.
  • Guide · Overtime

    Which States Have Daily Overtime?

    Five states pay overtime for long days: Alaska, California, Colorado, Nevada and Oregon. Their thresholds, conditions, 4x10 rules and worked examples.

    Updated · 5 min read

  • Guide · Overtime

    Seventh-Day Overtime: Which States Have It

    California and Kentucky pay a premium for the seventh day worked in one workweek. What counts as the seventh day, the rates, and worked examples.

    Updated · 5 min read

  • Guide · Overtime

    Double Time: When the Law Requires It

    No federal law requires double time, and California is the only state in the data that does. Where it comes from and how the tax deduction counts it.

    Updated · 6 min read

Page sources

Every rule above comes from these pages, read on the dates shown.

  1. 29 CFR 778.107eCFR (Office of the Federal Register / GPO) · read
  2. Overtime PayU.S. Department of Labor, Wage and Hour Division · read
  3. 29 CFR 778.105eCFR (Office of the Federal Register / GPO) · read
  4. 29 CFR 778.104eCFR (Office of the Federal Register / GPO) · read
  5. 29 CFR 778.102eCFR (Office of the Federal Register / GPO) · read
  6. 29 CFR 778.115eCFR (Office of the Federal Register / GPO) · read
  7. FS-2026-01 (Jan. 2026), Questions and answers about the new deduction for qualified overtime compensation (superseded by FS-2026-13)IRS · read