Where missing hours usually go
When a stub comes up short, it's almost always one of four leaks. Auto-deducted lunches — the system removes 30 or 60 minutes daily whether you took the break or not; if you worked through lunch, that's unpaid work. Rounding drift — quarter-hour rounding is legal only when neutral; check what your punches become in the rounding calculator. Off-the-clock minutes — booting up systems, pre-shift meetings, closing duties after clock-out. Overtime paid as straight time — 44 hours paid at 44 × rate instead of 40 + 4 at 1.5×; your state's threshold is in the overtime laws lookup.
How to keep your own record
Track punches yourself in the time card calculator (entries auto-save in your browser) or on a printed timesheet template, using exact times rather than estimates. When the stub arrives, put both numbers in above — the tool converts formats and prices the gap for you. Note that stubs show decimal hours: 78:15 is 78.25, not 78.15 (the decimal converter explains this classic mix-up).
If the gap is real
Start politely — most discrepancies are system errors, and payroll can rerun a period. Bring your punch record. If it isn't resolved, wage claims are filed with your state labor department (or the U.S. DOL Wage and Hour Division); most states allow recovery going back two to three years, and keeping your own contemporaneous record is exactly the evidence those claims run on. This tool shows the math — it isn't legal advice.