Multipliers default to common award levels (1.5x first overtime band, 2x after the band, 1.5x Saturday, 2x Sunday, 2.5x public holiday). Overtime is paid in bands, with the first band at the lower rate. Casual loading is added to each multiplier, which matches most awards, so a retail casual Sunday on 1.5x gives 175%. Where an award applies the penalty percentage to the casual hourly rate instead, as the Nurses Award does, leave casual loading off and enter the combined percentage. Check the specific award or agreement for your industry.