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Add Worth the Work late-payment calculator #1

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Add Worth the Work late-payment calculator #1

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Expand Up @@ -57,6 +57,7 @@ See the full breakdown in the **[USDT Payments Handbook](https://github.com/Payr
## Invoicing Tools

- **[Freelance Invoice Templates](https://github.com/PayrollFlow/freelance-invoice-templates)** — Free, ready-to-use invoice templates (including a USDT/crypto invoice) for international clients.
- **[Worth the Work Late Payment Fee Calculator](https://rookepoole.github.io/worth-the-work/freelance-late-payment-calculator/)** — Free, open-source, no-signup calculator for applying a written interest rate, grace period, and flat fee to an overdue freelance invoice. It shows the updated balance and hidden cash-flow cost, then produces a factual payment reminder; inputs stay in the browser.
- **Wave / Zoho Invoice / Invoice Ninja** — Free or low-cost invoicing apps for recurring billing.

## Choosing a Method
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