Methodology & Sources

Time cards

Each in/out pair is converted to minutes since midnight; if clock-out is earlier than clock-in the shift is treated as overnight (+24 h). Optional rounding is applied to each punch (nearest/up/down 5, 6 or 15 minutes, as allowed by 29 CFR 785.48). Unpaid break minutes are subtracted per day; auto-deduct subtracts the chosen break only when the shift exceeds the threshold and the entered break is smaller. Decimal hours = minutes ÷ 60, rounded to 2 places for display only; pay uses exact minutes.

Overtime

Federal: hours over 40 in each 7-day workweek at 1.5× (multi-week sheets are split into separate weeks). California: over 8 h/day at 1.5×, over 12 h/day at 2×, the first 8 h on the 7th consecutive day at 1.5× and beyond 8 at 2×, plus weekly over 40 (daily OT hours are not double-counted).

Hourly ↔ salary

Annual = hourly × hours/week × weeks (default 40 × 52 = 2,080). Monthly = annual ÷ 12; biweekly ÷ 26; semi-monthly ÷ 24; weekly ÷ 52; daily ÷ 260.

Take-home pay (2026)

Annual gross minus the standard deduction, taxed through the 2026 brackets (IRS). Social Security 6.2% up to $184,500 (SSA); Medicare 1.45% plus 0.9% over $200,000 single / $250,000 joint. Not modeled: pre-tax 401(k)/health deductions, credits, W-4 adjustments, local taxes.

State data (last verified October 10, 2026)

• Minimum wages and overtime rules for all 50 states: US DOL State Minimum Wage Laws (updated July 1, 2026), plus Florida's Sept 30, 2026 increase to $15.00.
• State income tax rates, brackets, standard deductions and exemptions: each state revenue agency (linked on its paycheck page), cross-checked against the Tax Foundation 2026 table (as of Jan 1, 2026). States that index brackets but had not published 2026 amounts (e.g. California) use the latest published year.
• Payroll levies from 2026 agency notices: CA SDI 1.3% (EDD), NY PFL 0.432% max $411.91, NJ TDI 0.19% + FLI 0.23% on $171,100, MA PFML 0.46%, RI TDI 1.1% on $100,000, HI TDI 0.5% max $7.50/week, MN Paid Leave 0.44%, Paid Leave Oregon 0.6% + 0.1% transit tax, WA Paid Leave 0.81% + WA Cares 0.58%.
• est. Still estimates: Arizona, Maine and South Carolina standard deductions (pre-OBBBA conformity may be changed retroactively; SC top rate reverts to 6.2% mid-2026); Maryland average county tax (~3.07%); Connecticut recapture/2% phase-out and NY recapture not modeled; local income taxes excluded elsewhere.
• BLS median earnings comparison on salary pages (approx. $60k–$62k).

Federal brackets, standard deduction, FICA wage base and the no-tax-on-overtime cap/phase-out are verified against IRS/SSA publications as of 2026-10-10.