Stop overpaying to live in Scotland.
One place to cut your heating bill, claim the grants you’re already owed, and find warm space near you this winter — no sign-up, no jargon, no catch.
Ten tools, one place to save
Each tool takes under a minute — answer a few plain-English questions and get a straight answer, no account needed.
Heating Cost & Grant Checker
Five quick questions match you against Warmer Homes Scotland, Home Energy Scotland grants, ECO4 and the Fuel Insecurity Fund — plus a regional heating oil price snapshot.
Open toolWater & Council Tax Reduction Checker
Find out if you’re missing an automatic reduction of up to 35% on your water charges, and whether a single-occupancy or disability discount applies to you.
Open toolWarm Spaces Finder
A free, growing directory of libraries, community centres and cafés across Scotland where anyone can sit somewhere warm, no purchase required.
Open toolFree Days Out
A filterable directory of free museums, galleries, parks and walks across Edinburgh, Glasgow, Aberdeen, Dundee and beyond — no ticket required.
Open toolTake-Home Pay Calculator
Scotland’s own income tax bands, worked out properly — see exactly what lands in your bank account each month, with pension and student loan built in.
Open toolCar Insurance Estimator
See exactly which factors are pushing your premium up or down, plus 7 real ways to cut it — then compare live quotes.
Open toolMonthly Budget Planner
See your needs/wants/savings split against the classic 50/30/20 guide, and get a clear flag if you’re spending more than you earn.
Open toolMortgage & LBTT Calculator
Scotland’s own property tax, worked out properly — plus a rough monthly mortgage repayment for any price and deposit.
Open toolOvertime & Payslip Checker
Work out what you should have been paid this month, including overtime, and compare it against your actual payslip.
Open toolSavings Goal Tracker
Set a target — house deposit, car, wedding, emergency fund — and see exactly what you need to save each month to get there.
Open toolFull Benefits & Grants Checker
Scottish Child Payment, Best Start Grants, Crisis Grants and Discretionary Housing Payment — all matched in one form.
Notify meBuilt to be useful, not to sell you something
Free & independent
Not affiliated with the Scottish Government, a supplier, or a lender. No commission steers our answers.
Built on real schemes
Every tool is matched against actual, current Scottish support schemes — not generic UK-wide advice that doesn’t apply here.
No sign-up required
Every checker works instantly in your browser. We only ask for an email if you want price-drop alerts.
Get notified when new tools launch
Once a month, sometimes less — new tools, scheme deadlines, and heating oil price alerts for your area.