Free calculators — loan, overtime, and tip pool

/calculators is a set of free, no-account tools for the quick numbers that come up running a business:

• **Loan calculator** — enter the amount, rate, and term to see the monthly payment, total interest, and full cost.
• **Overtime calculator** — turn hours and an hourly rate into regular pay plus time-and-a-half overtime.
• **Tip pool** — split a shift's tips across your staff by hours worked (or points), so the end-of-night settlement is fair and fast.

How they work:
• Everything runs right in your browser — nothing is saved or sent anywhere.
• Open them from the home page, or go straight to /calculators.

When you're ready to do this for real, the same math is built into the platform — loan amortization in Lending & Credit, overtime in Workforce/Payroll, and tip pools in Food & Beverage — where the numbers post to your books automatically instead of living in a one-off calculation.