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UBT Useful Business Tools

Calculators. Checklists. Templates.

Business tools that do the math.

Practical tools for freelancers and small businesses. No sign-up. No fluff. Just clear answers you can trust.

No account · Inputs stay in your browser · Optional page analytics
Built for real work

Created by practitioners, not marketers.

Private by design

No account. Inputs stay in this browser.

Instant results

Calculate, export, act. In seconds.

Tool preview ● Live preview

Invoice late fee calculator

Estimated late fee $15.00
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Numbers stay in this browser. Open the full tool for dates, flat fees, and a copyable reminder.

The tool shelf_

Straightforward tools for the work you do every day.

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Our philosophy

Tools should be honest. So we are.

We build tools we use ourselves. Everything here is practical, transparent, and designed to save you time.

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01 Inputs with context Plain-language labels and guidance help you enter the right numbers.
02 Assumptions in view Rates, dates, and rounding rules are visible so you know what’s behind the result.
03 Results you can trust See the underlying method and the important lines — no black box numbers.
04 Ready for action Use the result in a proposal, plan, or report. Export or copy with one click.