Tools, personal finance, AI, and productivity calculators
Free interactive tools to make money and tech decisions easier. All run in your browser; nothing is sent to a server.
Money tools
savings compound calculator
See how much your money grows in a Cash ISA vs taxable savings, compounded monthly.
Emergency fund sizer
How big should your emergency fund be? Where should it live? When will you reach the target?
International transfer cost comparison
Wise vs Revolut vs Starling vs banks, see the real cost of sending GBP abroad to 6 currencies.
Productivity / tech tools
Mobile bill audit
See how much you'd save switching from your current provider to a MVNO. Same coverage, half the cost.
AI subscription audit
Tell us what you're paying for. We'll suggest a leaner stack and show your potential annual saving.
How these tools work
All five run as JavaScript in your browser. No data is sent to a Morningfold server, no data is stored, no tracking pixels fire. The tools work offline once loaded.
The pricing data and rate assumptions in each tool are accurate at the time of writing (April 2026) and reviewed quarterly. Real-world rates change weekly, verify with each provider before making a financial decision.
Suggest a tool
Email hello@morningfold.co.uk with the calculator you wish existed. We've built tools when readers asked for them in the past.
Tools we're considering for future builds:
- UK pension contribution optimiser (with tax-relief modelling)
- UK broadband / mobile combined annual cost calculator
- UK home insurance excess vs premium trade-off
- UK income tax / take-home pay calculator
- UK life insurance cover calculator (need-based)
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