As a consultant, how I bill my time is important. And in order to bill properly, I have know calculate properly. Calculating time can be a pain in the neck. 60 minutes, plus all the increments therein...nothing goes nicely to base 10. In the past I have just resorted to working in quarter hour increments. But even that can get tricky, adding increments up on the calculator. That's where Calcloc steps in to fill the breach. Calcloc is a calculator that can handle native time calculations.