Scotsaver \u2014 Spend Less. Live Warmer. Scotland.<\/title>\n<style>\n @import url('https:\/\/fonts.googleapis.com\/css2?family=Space+Grotesk:wght@500;600;700&family=Inter:wght@400;500;600;700&display=swap');\n\n :root{\n --loch: #0B2942;\n --loch-deep: #071B2E;\n --ember: #D9642C;\n --ember-light: #F0925C;\n --mist: #A9B7BE;\n --heather: #8574A6;\n --parchment: #F6F1E7;\n --parchment-dim: #EDE6D6;\n --ink: #16202B;\n --good: #3E8E5A;\n }\n *{ box-sizing:border-box; }\n html{ scroll-behavior:smooth; }\n body{\n margin:0;\n font-family:'Inter', -apple-system, sans-serif;\n background: var(--parchment);\n color: var(--ink);\n line-height:1.5;\n }\n h1,h2,h3,.display{ font-family:'Space Grotesk','Inter',sans-serif; font-weight:700; letter-spacing:-0.02em; }\n\n .gauge{ height:6px; width:100%; background:linear-gradient(90deg, var(--loch) 0%, var(--heather) 45%, var(--ember) 100%); }\n\n nav{ display:flex; align-items:center; justify-content:space-between; padding:18px 6vw; background:var(--loch-deep); color:var(--parchment); }\n 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font-size:14px; }\n .signup-form input::placeholder{ color:var(--mist); }\n .signup-note{ font-size:12px; color:var(--mist); margin-top:14px; }\n\n footer{ padding:30px 6vw 40px; font-size:12px; color:#7c8792; max-width:880px; }\n footer .sources{ margin-top:10px; line-height:1.7; }\n\n @media(max-width:720px){ .stats{ grid-template-columns:1fr; } }\n<\/style>\n <script defer data-domain=\"scotsaver.co.uk\" src=\"https:\/\/plausible.io\/js\/script.js\"><\/script>\n<\/head>\n<body>\n\n<div class=\"gauge\"><\/div>\n<nav>\n <div class=\"brand\">Scot<span>saver<\/span><\/div>\n <div class=\"tagline\">HEAT SMART \u00b7 SPEND LESS<\/div>\n<\/nav>\n\n<section class=\"hero\">\n <div class=\"hero-inner\">\n <div class=\"eyebrow\">Free tools for Scottish households<\/div>\n <h1 class=\"headline\">Stop overpaying <span class=\"warm\">to live in Scotland.<\/span><\/h1>\n <p class=\"sub\">One place to cut your heating bill, claim the grants you’re already owed, and find warm space near you this winter \u2014 no sign-up, no jargon, no catch.<\/p>\n <div class=\"cta-row\">\n <a href=\"scotsaver_heating_checker.html\" class=\"btn btn-primary\">Start with the Heating Checker<\/a>\n <a href=\"#tools\" class=\"btn btn-ghost\">See all tools \u2193<\/a>\n <\/div>\n <\/div>\n<\/section>\n\n<div class=\"stats\">\n <div class=\"stat\"><div class=\"num\">34%<\/div><div class=\"lbl\">of Scottish households are in fuel poverty<\/div><\/div>\n <div class=\"stat\"><div class=\"num\">861,000<\/div><div class=\"lbl\">households affected \u2014 more than 1 in 3<\/div><\/div>\n <div class=\"stat\"><div class=\"num\">19%<\/div><div class=\"lbl\">of homes are off the gas grid \u2014 100% in Shetland & Orkney<\/div><\/div>\n<\/div>\n\n<section id=\"tools\">\n <div class=\"section-head\">\n <div class=\"kicker\">Pick a tool<\/div>\n <h2>Ten tools, one place to save<\/h2>\n <p>Each tool takes under a minute \u2014 answer a few plain-English questions and get a straight answer, no account needed.<\/p>\n <\/div>\n\n <div class=\"tool-grid\">\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">🔥<\/div>\n <h3>Heating Cost & Grant Checker<\/h3>\n <p>Five quick questions match you against Warmer Homes Scotland, Home Energy Scotland grants, ECO4 and the Fuel Insecurity Fund \u2014 plus a regional heating oil price snapshot.<\/p>\n <a href=\"scotsaver_heating_checker.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">💧<\/div>\n <h3>Water & Council Tax Reduction Checker<\/h3>\n <p>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.<\/p>\n <a href=\"water_checker.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">🏛️<\/div>\n <h3>Warm Spaces Finder<\/h3>\n <p>A free, growing directory of libraries, community centres and caf\u00e9s across Scotland where anyone can sit somewhere warm, no purchase required.<\/p>\n <a href=\"warm_spaces.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">🖼️<\/div>\n <h3>Free Days Out<\/h3>\n <p>A filterable directory of free museums, galleries, parks and walks across Edinburgh, Glasgow, Aberdeen, Dundee and beyond \u2014 no ticket required.<\/p>\n <a href=\"free_days_out.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">💷<\/div>\n <h3>Take-Home Pay Calculator<\/h3>\n <p>Scotland’s own income tax bands, worked out properly \u2014 see exactly what lands in your bank account each month, with pension and student loan built in.<\/p>\n <a href=\"take_home_pay.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">🚗<\/div>\n <h3>Car Insurance Estimator<\/h3>\n <p>See exactly which factors are pushing your premium up or down, plus 7 real ways to cut it \u2014 then compare live quotes.<\/p>\n <a href=\"car_insurance_estimator.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">📊<\/div>\n <h3>Monthly Budget Planner<\/h3>\n <p>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.<\/p>\n <a href=\"budget_planner.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">🏡<\/div>\n <h3>Mortgage & LBTT Calculator<\/h3>\n <p>Scotland’s own property tax, worked out properly \u2014 plus a rough monthly mortgage repayment for any price and deposit.<\/p>\n <a href=\"mortgage_lbtt.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">🧾<\/div>\n <h3>Overtime & Payslip Checker<\/h3>\n <p>Work out what you should have been paid this month, including overtime, and compare it against your actual payslip.<\/p>\n <a href=\"payslip_checker.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">🎯<\/div>\n <h3>Savings Goal Tracker<\/h3>\n <p>Set a target \u2014 house deposit, car, wedding, emergency fund \u2014 and see exactly what you need to save each month to get there.<\/p>\n <a href=\"savings_goal.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card disabled\">\n <span class=\"status soon\">Coming soon<\/span>\n <div class=\"icon\">🧾<\/div>\n <h3>Full Benefits & Grants Checker<\/h3>\n <p>Scottish Child Payment, Best Start Grants, Crisis Grants and Discretionary Housing Payment \u2014 all matched in one form.<\/p>\n <a href=\"#\" class=\"card-btn\">Notify me<\/a>\n <\/div>\n <\/div>\n<\/section>\n\n<section>\n <div class=\"section-head\">\n <div class=\"kicker\">Why Scotsaver<\/div>\n <h2>Built to be useful, not to sell you something<\/h2>\n <\/div>\n <div class=\"pillars\">\n <div class=\"pillar\"><div class=\"num\">01<\/div><h4>Free & independent<\/h4><p>Not affiliated with the Scottish Government, a supplier, or a lender. No commission steers our answers.<\/p><\/div>\n <div class=\"pillar\"><div class=\"num\">02<\/div><h4>Built on real schemes<\/h4><p>Every tool is matched against actual, current Scottish support schemes \u2014 not generic UK-wide advice that doesn’t apply here.<\/p><\/div>\n <div class=\"pillar\"><div class=\"num\">03<\/div><h4>No sign-up required<\/h4><p>Every checker works instantly in your browser. We only ask for an email if you want price-drop alerts.<\/p><\/div>\n <\/div>\n<\/section>\n\n<section class=\"signup\">\n <div class=\"section-head\">\n <div class=\"kicker\">Stay in the loop<\/div>\n <h2>Get notified when new tools launch<\/h2>\n <p>Once a month, sometimes less \u2014 new tools, scheme deadlines, and heating oil price alerts for your area.<\/p>\n <\/div>\n <form class=\"signup-form\" id=\"signupForm\">\n <input type=\"email\" id=\"signupEmail\" placeholder=\"you@email.com\" required>\n <button class=\"btn btn-primary\" type=\"submit\">Notify me<\/button>\n <\/form>\n <div class=\"signup-note\" id=\"signupNote\">No spam. Unsubscribe anytime.<\/div>\n<\/section>\n\n<footer>\n <div>Scotsaver is an independent guide and is not affiliated with the Scottish Government, Scottish Water, or Home Energy Scotland. Figures are estimates for guidance only \u2014 always confirm eligibility directly with the relevant scheme.<\/div>\n <div class=\"sources\">Sources: Scottish House Condition Survey 2024 (gov.scot) \u00b7 Scottish Fuel Poverty Advisory Panel \u00b7 Home Energy Scotland \u00b7 Scottish Water \u00b7 mygov.scot<\/div>\n<\/footer>\n\n<script>\n document.getElementById('signupForm').addEventListener('submit', function(e){\n e.preventDefault();\n const email = document.getElementById('signupEmail').value.trim();\n const note = document.getElementById('signupNote');\n if(!email) return;\n note.textContent = \"Thanks \u2014 you're on the list. We'll email \" + email + \" when there's something new. (Connect this form to Mailchimp\/your ESP to go live.)\";\n note.style.color = '#F0925C';\n if(window.plausible) plausible('Newsletter: Signup');\n document.getElementById('signupEmail').value = '';\n });\n<\/script>\n\n<\/body>\n<\/html>\n\n","protected":false},"excerpt":{"rendered":"<p>Scotsaver \u2014 Spend Less. Live Warmer. Scotland. Scotsaver HEAT SMART \u00b7 SPEND LESS Free tools for Scottish households 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 \u2014 no sign-up, no jargon, no catch. Start with the […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-238","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"\n<title>Homepage - Scotsaver<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/scotsaver.co.uk\/?page_id=238\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Homepage - Scotsaver\" \/>\n<meta property=\"og:description\" content=\"Scotsaver \u2014 Spend Less. Live Warmer. Scotland. Scotsaver HEAT SMART \u00b7 SPEND LESS Free tools for Scottish households Stop overpaying to live in Scotland. 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Live Warmer. Scotland. Scotsaver HEAT SMART \u00b7 SPEND LESS Free tools for Scottish households 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 \u2014 no sign-up, no jargon, no catch. 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{"id":238,"date":"2026-07-21T19:31:08","date_gmt":"2026-07-21T19:31:08","guid":{"rendered":"https:\/\/scotsaver.co.uk\/?page_id=238"},"modified":"2026-07-21T19:38:01","modified_gmt":"2026-07-21T19:38:01","slug":"home","status":"publish","type":"page","link":"https:\/\/scotsaver.co.uk\/","title":{"rendered":"Homepage"},"content":{"rendered":"\n\n\n\n\n\nScotsaver \u2014 Spend Less. Live Warmer. Scotland.<\/title>\n<style>\n @import url('https:\/\/fonts.googleapis.com\/css2?family=Space+Grotesk:wght@500;600;700&family=Inter:wght@400;500;600;700&display=swap');\n\n :root{\n --loch: #0B2942;\n --loch-deep: #071B2E;\n --ember: #D9642C;\n --ember-light: #F0925C;\n --mist: #A9B7BE;\n --heather: #8574A6;\n --parchment: #F6F1E7;\n --parchment-dim: #EDE6D6;\n --ink: #16202B;\n --good: #3E8E5A;\n }\n *{ box-sizing:border-box; }\n html{ scroll-behavior:smooth; }\n body{\n margin:0;\n font-family:'Inter', -apple-system, sans-serif;\n background: var(--parchment);\n color: var(--ink);\n line-height:1.5;\n }\n h1,h2,h3,.display{ font-family:'Space Grotesk','Inter',sans-serif; font-weight:700; letter-spacing:-0.02em; }\n\n .gauge{ height:6px; width:100%; background:linear-gradient(90deg, var(--loch) 0%, var(--heather) 45%, var(--ember) 100%); }\n\n nav{ display:flex; align-items:center; justify-content:space-between; padding:18px 6vw; background:var(--loch-deep); color:var(--parchment); }\n .brand{ font-family:'Space Grotesk',sans-serif; font-weight:700; font-size:20px; color:var(--parchment); }\n .brand span{ color:var(--ember-light); }\n .tagline{ font-size:12px; color:var(--mist); letter-spacing:0.04em; }\n\n .hero{ background:var(--loch-deep); color:var(--parchment); padding:9vh 6vw 10vh; position:relative; overflow:hidden; }\n .hero::before{ content:\"\"; position:absolute; inset:0;\n background: radial-gradient(ellipse at 85% 0%, rgba(217,100,44,0.16), transparent 55%),\n radial-gradient(ellipse at 5% 100%, rgba(133,116,166,0.14), transparent 50%);\n pointer-events:none; }\n .hero-inner{ max-width:760px; position:relative; }\n .eyebrow{ font-family:'Space Grotesk',sans-serif; font-size:13px; letter-spacing:0.12em; text-transform:uppercase; color:var(--ember-light); margin-bottom:18px; display:flex; align-items:center; gap:10px; }\n .eyebrow::before{ content:\"\"; width:26px; height:2px; background:var(--ember-light); }\n h1.headline{ font-size:clamp(34px,5.5vw,58px); line-height:1.05; margin:0 0 20px; }\n h1.headline .warm{ color:var(--ember-light); }\n .hero p.sub{ font-size:18px; color:var(--mist); max-width:600px; margin-bottom:34px; }\n .cta-row{ display:flex; gap:16px; flex-wrap:wrap; }\n .btn{ font-family:'Space Grotesk',sans-serif; font-weight:600; font-size:15px; padding:14px 26px; border-radius:3px; border:none; cursor:pointer; text-decoration:none; display:inline-flex; align-items:center; gap:8px; transition:transform .15s ease, box-shadow .15s ease; }\n .btn:hover{ transform:translateY(-1px); }\n .btn-primary{ background:var(--ember); color:var(--parchment); }\n .btn-primary:hover{ box-shadow:0 8px 24px rgba(217,100,44,.35); }\n .btn-ghost{ background:transparent; color:var(--parchment); border:1.5px solid rgba(246,241,231,.35); }\n\n .stats{ display:grid; grid-template-columns:repeat(3,1fr); gap:1px; background:rgba(246,241,231,.15); border-top:1px solid rgba(246,241,231,.15); }\n .stat{ background:var(--loch-deep); padding:30px 6vw; color:var(--parchment); }\n .stat .num{ font-family:'Space Grotesk',sans-serif; font-size:36px; font-weight:700; color:var(--ember-light); }\n .stat .lbl{ font-size:13px; color:var(--mist); margin-top:4px; }\n\n section{ padding:9vh 6vw; }\n .section-head{ max-width:640px; margin-bottom:44px; }\n .section-head .kicker{ font-family:'Space Grotesk',sans-serif; font-size:12px; letter-spacing:.1em; text-transform:uppercase; color:var(--heather); margin-bottom:10px; }\n .section-head h2{ font-size:clamp(26px,3.4vw,36px); color:var(--loch); }\n .section-head p{ color:#4a565f; font-size:15.5px; margin-top:10px; }\n\n \/* ---- tool cards ---- *\/\n .tool-grid{ display:grid; grid-template-columns:repeat(auto-fit,minmax(260px,1fr)); gap:20px; }\n .tool-card{\n background:white; border:1px solid var(--parchment-dim); border-radius:6px; padding:28px 26px;\n box-shadow:0 20px 50px -25px rgba(11,41,66,.18); display:flex; flex-direction:column; position:relative;\n transition: transform .15s ease, box-shadow .15s ease;\n }\n .tool-card:hover{ transform:translateY(-3px); box-shadow:0 26px 60px -25px rgba(11,41,66,.28); }\n .tool-card .icon{ font-size:28px; margin-bottom:14px; }\n .tool-card h3{ font-size:18px; color:var(--loch); margin-bottom:8px; }\n .tool-card p{ font-size:14px; color:#4a565f; flex:1; margin-bottom:20px; }\n .tool-card .status{\n position:absolute; top:24px; right:26px; font-size:10px; font-weight:700; letter-spacing:.06em; text-transform:uppercase;\n padding:4px 10px; border-radius:20px;\n }\n .status.live{ background:rgba(62,142,90,.12); color:var(--good); }\n .status.soon{ background:rgba(133,116,166,.14); color:var(--heather); }\n .tool-card a.card-btn{\n font-family:'Space Grotesk',sans-serif; font-weight:600; font-size:14px; color:var(--loch);\n display:inline-flex; align-items:center; gap:6px; text-decoration:none;\n }\n .tool-card a.card-btn::after{ content:\"\u2192\"; transition:transform .15s ease; }\n .tool-card a.card-btn:hover::after{ transform:translateX(3px); }\n .tool-card.disabled a.card-btn{ color:var(--mist); pointer-events:none; }\n\n \/* ---- pillars ---- *\/\n .pillars{ display:grid; grid-template-columns:repeat(auto-fit,minmax(220px,1fr)); gap:28px; }\n .pillar .num{ font-family:'Space Grotesk',sans-serif; font-size:13px; color:var(--ember); font-weight:700; margin-bottom:8px; }\n .pillar h4{ font-size:16.5px; color:var(--loch); margin-bottom:6px; font-family:'Space Grotesk',sans-serif; }\n .pillar p{ font-size:14px; color:#4a565f; }\n\n .signup{ background:var(--loch-deep); color:var(--parchment); }\n .signup .section-head h2{ color:var(--parchment); }\n .signup .section-head p{ color:var(--mist); }\n .signup-form{ display:flex; gap:12px; max-width:480px; flex-wrap:wrap; }\n .signup-form input[type=email]{ flex:1; min-width:220px; padding:14px 16px; border-radius:3px; border:1px solid rgba(246,241,231,.25); background:rgba(246,241,231,.08); color:var(--parchment); font-size:14px; }\n .signup-form input::placeholder{ color:var(--mist); }\n .signup-note{ font-size:12px; color:var(--mist); margin-top:14px; }\n\n footer{ padding:30px 6vw 40px; font-size:12px; color:#7c8792; max-width:880px; }\n footer .sources{ margin-top:10px; line-height:1.7; }\n\n @media(max-width:720px){ .stats{ grid-template-columns:1fr; } }\n<\/style>\n <script defer data-domain=\"scotsaver.co.uk\" src=\"https:\/\/plausible.io\/js\/script.js\"><\/script>\n<\/head>\n<body>\n\n<div class=\"gauge\"><\/div>\n<nav>\n <div class=\"brand\">Scot<span>saver<\/span><\/div>\n <div class=\"tagline\">HEAT SMART \u00b7 SPEND LESS<\/div>\n<\/nav>\n\n<section class=\"hero\">\n <div class=\"hero-inner\">\n <div class=\"eyebrow\">Free tools for Scottish households<\/div>\n <h1 class=\"headline\">Stop overpaying <span class=\"warm\">to live in Scotland.<\/span><\/h1>\n <p class=\"sub\">One place to cut your heating bill, claim the grants you’re already owed, and find warm space near you this winter \u2014 no sign-up, no jargon, no catch.<\/p>\n <div class=\"cta-row\">\n <a href=\"scotsaver_heating_checker.html\" class=\"btn btn-primary\">Start with the Heating Checker<\/a>\n <a href=\"#tools\" class=\"btn btn-ghost\">See all tools \u2193<\/a>\n <\/div>\n <\/div>\n<\/section>\n\n<div class=\"stats\">\n <div class=\"stat\"><div class=\"num\">34%<\/div><div class=\"lbl\">of Scottish households are in fuel poverty<\/div><\/div>\n <div class=\"stat\"><div class=\"num\">861,000<\/div><div class=\"lbl\">households affected \u2014 more than 1 in 3<\/div><\/div>\n <div class=\"stat\"><div class=\"num\">19%<\/div><div class=\"lbl\">of homes are off the gas grid \u2014 100% in Shetland & Orkney<\/div><\/div>\n<\/div>\n\n<section id=\"tools\">\n <div class=\"section-head\">\n <div class=\"kicker\">Pick a tool<\/div>\n <h2>Ten tools, one place to save<\/h2>\n <p>Each tool takes under a minute \u2014 answer a few plain-English questions and get a straight answer, no account needed.<\/p>\n <\/div>\n\n <div class=\"tool-grid\">\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">🔥<\/div>\n <h3>Heating Cost & Grant Checker<\/h3>\n <p>Five quick questions match you against Warmer Homes Scotland, Home Energy Scotland grants, ECO4 and the Fuel Insecurity Fund \u2014 plus a regional heating oil price snapshot.<\/p>\n <a href=\"scotsaver_heating_checker.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">💧<\/div>\n <h3>Water & Council Tax Reduction Checker<\/h3>\n <p>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.<\/p>\n <a href=\"water_checker.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">🏛️<\/div>\n <h3>Warm Spaces Finder<\/h3>\n <p>A free, growing directory of libraries, community centres and caf\u00e9s across Scotland where anyone can sit somewhere warm, no purchase required.<\/p>\n <a href=\"warm_spaces.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">🖼️<\/div>\n <h3>Free Days Out<\/h3>\n <p>A filterable directory of free museums, galleries, parks and walks across Edinburgh, Glasgow, Aberdeen, Dundee and beyond \u2014 no ticket required.<\/p>\n <a href=\"free_days_out.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">💷<\/div>\n <h3>Take-Home Pay Calculator<\/h3>\n <p>Scotland’s own income tax bands, worked out properly \u2014 see exactly what lands in your bank account each month, with pension and student loan built in.<\/p>\n <a href=\"take_home_pay.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">🚗<\/div>\n <h3>Car Insurance Estimator<\/h3>\n <p>See exactly which factors are pushing your premium up or down, plus 7 real ways to cut it \u2014 then compare live quotes.<\/p>\n <a href=\"car_insurance_estimator.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">📊<\/div>\n <h3>Monthly Budget Planner<\/h3>\n <p>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.<\/p>\n <a href=\"budget_planner.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">🏡<\/div>\n <h3>Mortgage & LBTT Calculator<\/h3>\n <p>Scotland’s own property tax, worked out properly \u2014 plus a rough monthly mortgage repayment for any price and deposit.<\/p>\n <a href=\"mortgage_lbtt.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">🧾<\/div>\n <h3>Overtime & Payslip Checker<\/h3>\n <p>Work out what you should have been paid this month, including overtime, and compare it against your actual payslip.<\/p>\n <a href=\"payslip_checker.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card\">\n <span class=\"status live\">Live<\/span>\n <div class=\"icon\">🎯<\/div>\n <h3>Savings Goal Tracker<\/h3>\n <p>Set a target \u2014 house deposit, car, wedding, emergency fund \u2014 and see exactly what you need to save each month to get there.<\/p>\n <a href=\"savings_goal.html\" class=\"card-btn\">Open tool<\/a>\n <\/div>\n\n <div class=\"tool-card disabled\">\n <span class=\"status soon\">Coming soon<\/span>\n <div class=\"icon\">🧾<\/div>\n <h3>Full Benefits & Grants Checker<\/h3>\n <p>Scottish Child Payment, Best Start Grants, Crisis Grants and Discretionary Housing Payment \u2014 all matched in one form.<\/p>\n <a href=\"#\" class=\"card-btn\">Notify me<\/a>\n <\/div>\n <\/div>\n<\/section>\n\n<section>\n <div class=\"section-head\">\n <div class=\"kicker\">Why Scotsaver<\/div>\n <h2>Built to be useful, not to sell you something<\/h2>\n <\/div>\n <div class=\"pillars\">\n <div class=\"pillar\"><div class=\"num\">01<\/div><h4>Free & independent<\/h4><p>Not affiliated with the Scottish Government, a supplier, or a lender. No commission steers our answers.<\/p><\/div>\n <div class=\"pillar\"><div class=\"num\">02<\/div><h4>Built on real schemes<\/h4><p>Every tool is matched against actual, current Scottish support schemes \u2014 not generic UK-wide advice that doesn’t apply here.<\/p><\/div>\n <div class=\"pillar\"><div class=\"num\">03<\/div><h4>No sign-up required<\/h4><p>Every checker works instantly in your browser. We only ask for an email if you want price-drop alerts.<\/p><\/div>\n <\/div>\n<\/section>\n\n<section class=\"signup\">\n <div class=\"section-head\">\n <div class=\"kicker\">Stay in the loop<\/div>\n <h2>Get notified when new tools launch<\/h2>\n <p>Once a month, sometimes less \u2014 new tools, scheme deadlines, and heating oil price alerts for your area.<\/p>\n <\/div>\n <form class=\"signup-form\" id=\"signupForm\">\n <input type=\"email\" id=\"signupEmail\" placeholder=\"you@email.com\" required>\n <button class=\"btn btn-primary\" type=\"submit\">Notify me<\/button>\n <\/form>\n <div class=\"signup-note\" id=\"signupNote\">No spam. Unsubscribe anytime.<\/div>\n<\/section>\n\n<footer>\n <div>Scotsaver is an independent guide and is not affiliated with the Scottish Government, Scottish Water, or Home Energy Scotland. Figures are estimates for guidance only \u2014 always confirm eligibility directly with the relevant scheme.<\/div>\n <div class=\"sources\">Sources: Scottish House Condition Survey 2024 (gov.scot) \u00b7 Scottish Fuel Poverty Advisory Panel \u00b7 Home Energy Scotland \u00b7 Scottish Water \u00b7 mygov.scot<\/div>\n<\/footer>\n\n<script>\n document.getElementById('signupForm').addEventListener('submit', function(e){\n e.preventDefault();\n const email = document.getElementById('signupEmail').value.trim();\n const note = document.getElementById('signupNote');\n if(!email) return;\n note.textContent = \"Thanks \u2014 you're on the list. We'll email \" + email + \" when there's something new. (Connect this form to Mailchimp\/your ESP to go live.)\";\n note.style.color = '#F0925C';\n if(window.plausible) plausible('Newsletter: Signup');\n document.getElementById('signupEmail').value = '';\n });\n<\/script>\n\n<\/body>\n<\/html>\n\n","protected":false},"excerpt":{"rendered":"<p>Scotsaver \u2014 Spend Less. Live Warmer. Scotland. Scotsaver HEAT SMART \u00b7 SPEND LESS Free tools for Scottish households 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 \u2014 no sign-up, no jargon, no catch. Start with the […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-238","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"\n<title>Homepage - Scotsaver<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/scotsaver.co.uk\/?page_id=238\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Homepage - Scotsaver\" \/>\n<meta property=\"og:description\" content=\"Scotsaver \u2014 Spend Less. Live Warmer. Scotland. Scotsaver HEAT SMART \u00b7 SPEND LESS Free tools for Scottish households 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 \u2014 no sign-up, no jargon, no catch. 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