Time card calculator for small business

Small businesses need clean daily totals, paid breaks, and weekly overtime checks. Everhour keeps time off connected to timesheets.

How much did you earn this week?

Enter your daily hours and rate to instantly calculate total hours, regular pay, and any overtime — no spreadsheet needed.

$
Weekly gross pay
Regular hours40h
Overtime hours0h
Regular pay$1,400.00

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The calculator gives you the number — Everhour takes it from there.

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Works with your favorite tool:
Everhour — Time Tracking
Time Entries
01:24:00
00:31:00
01:07:00

No more budget surprises

Set a budget, assign rates, and get alerted before you're over.

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Everhour — Budgeting
Acme Web Project
1
50% of budget used
$2,500.00of $5,000.00
$2,500.00 remaining
75%
Actual costRemaining cost

Measurement

Track your budget through time or costs

Simple, customizable reports

Every report you need — configured your way, always up to date.

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Everhour — Reports

Your invoice is ready!

Tracked hours flow straight into a polished invoice — no copy-paste, no manual math.

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  • Invoicing dashboard with status
Everhour — Invoices
Your Company LLChello@yourcompany.com
INVOICE
Invoice #1042
Group by:
DescriptionHoursRateAmount
Website Redesign14h$150/h$2,100.00
Brand Guidelines7h$150/h$1,050.00
Marketing Strategy3.5h$150/h$525.00
Total Due$3,675.00
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Small-business time card math

What this calculation answers

A small-business time card calculation answers one payroll question: how many compensable hours belong in a fixed workweek. Start with each clock span, subtract only unpaid bona fide meal periods, keep paid short breaks in the total, and add any extra time the employer suffered or permitted. Covered employers also need accurate daily hours, weekly totals, the workweek start, regular rate, straight-time earnings, and overtime earnings for each nonexempt worker.

The federal baseline matters before any state overlay. Covered nonexempt employees in the United States must receive overtime pay after 40 hours worked in a seven-day workweek at not less than 1.5 times the regular rate. The FLSA covers enterprises with at least two employees and annual sales or business of at least $500,000, and individual coverage can still apply at smaller firms when the employee's work involves interstate commerce.

Build the weekly total correctly

Small-business time cards usually combine punches, scheduled breaks, edits, and notes from managers. Convert minutes to decimal hours by dividing minutes by 60, so 8 hours 15 minutes becomes 8.25 hours. Use the employer's fixed workweek, a recurring block of 168 hours that can start on any day and hour. Do not average two workweeks together to avoid overtime.

Break treatment changes the payable total. Federal law does not require adult meal or rest breaks, but short breaks, usually 5 to 20 minutes, are compensable hours worked. A bona fide meal period is generally unpaid only when it lasts at least 30 minutes and the employee is completely relieved from duty. State law, child-labor rules, employer policy, or a contract can add stricter break, overtime, or premium-pay rules.

Apply overtime after 40 hours

For example, a covered nonexempt store associate at a small business earns $18.40 per hour and records paid daily totals of 9, 8, 9, 10, and 7 hours. The weekly total is 43 hours. Under the federal weekly method, 40 hours are paid at the regular rate, and 3 hours are overtime hours paid at 1.5 times the regular rate.

The straight-time amount is 40 × $18.40 = $736.00. The overtime rate is $18.40 × 1.5 = $27.60, so 3 overtime hours equal $82.80. Total gross wages for the week are $818.80 before taxes, deductions, reimbursements, or state-specific premiums. Saturday, Sunday, holiday, or rest-day work does not create a federal premium by itself unless the weekly total crosses 40 hours.

Separate quick checks from payroll records

A one-off calculator is enough when you need to check one weekly total, confirm whether a lunch deduction changes overtime, or explain a single paycheck estimate to an employee. It also works for owners who run payroll manually and need a fast audit before submitting hours. Keep the result tied to the workweek start date, employee rate, daily totals, unpaid meal deductions, and any manager edits.

A managed workflow fits small businesses once time cards include PTO, sick leave, shift swaps, approvals, and repeat payroll cycles. Everhour Time Off tracks vacations, sick leave, holidays, and custom leave types with partial-day durations, accrual, carryover, balances, and approval requests. That keeps paid leave visible next to worked hours instead of forcing the owner or bookkeeper to reconcile separate spreadsheets before payroll.

This content is for general information only, may not be fully up to date, and is provided without any warranty or liability.

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Frequently Asked Questions

Does a small business have to pay overtime after 40 hours?

Covered nonexempt employees must receive overtime pay after 40 hours worked in a fixed FLSA workweek at not less than 1.5 times the regular rate. The FLSA enterprise threshold is at least two employees and $500,000 in annual sales or business, but individual coverage can still apply to employees at smaller firms when their work involves interstate commerce.

Can two slow weeks and one busy week be averaged together?

No. The FLSA workweek is a fixed and regularly recurring period of 168 hours, made of seven consecutive 24-hour periods. Overtime is calculated within that workweek. A 34-hour week and a 46-hour week stay separate for federal overtime, even when both weeks fall in the same payroll period.

Should short paid breaks be removed from a time card?

Short breaks provided by an employer, usually about 5 to 20 minutes, count as compensable hours worked under federal law. Do not deduct them from paid time or overtime totals. A bona fide meal period is different: it is generally unpaid only when the employee is completely relieved from duty and the break lasts at least 30 minutes.

Can a small business round clock punches?

Federal rules allow rounding to the nearest 5 minutes, tenth of an hour, or quarter hour only when the practice averages out over time and does not underpay employees for actual hours worked. A rounding rule that consistently pushes start times later, end times earlier, or meal breaks longer creates underpayment risk.

Which records should a small business keep after calculating time cards?

Covered employers must keep accurate records showing hours worked each day, total hours each workweek, the workweek start, pay basis, regular rate, straight-time earnings, and overtime earnings. Payroll records must be preserved for at least three years. Time cards, work schedules, wage-rate tables, and other wage-computation records must be preserved for two years.

How does Everhour track time off for small-business time cards?

Everhour Time Off tracks vacations, sick leave, holidays, and custom leave types with partial-day durations, accrual, carryover, per-employee balances, and approval requests. Time-off hours can flow into team timesheet totals, so payroll review includes both worked time and approved leave in one place.

Can Everhour timecards help owners review payroll hours?

Everhour timecards record daily, weekly, and monthly work-hour totals with clock-in, clock-out, breaks, and approval. Small-business owners can review approved timecards and export team timesheet data as PDF, CSV, or XLSX files for payroll checks or recordkeeping.

Keep payroll hours audit-ready

Track approved time off beside worked hours, review weekly totals before payroll, and keep small-business records cleaner with Everhour Time Off.

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