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Glasgow, Scotland
I’ve been investing since 2017 — initially through ISAs and workplace pensions, later through a SIPP and direct equities. When I moved to Glasgow and started paying Scottish income tax, I found that almost every UK financial calculator and guide assumed English rates. Some salary sacrifice calculators said outright that they didn’t support Scottish taxpayers, mortgage tools ignored LBTT, and inheritance calculators used English rules instead of Scotland’s prior rights system.
I built MoneySCOT to fix that. As a web developer, I can build the calculators. As a Scottish taxpayer and investor, I understand why the accuracy matters. Every calculator uses Scotland’s actual tax bands and rates. Every article is written for people living in Scotland, not adapted from something written for a Londoner.
I write and fact-check every article, build every calculator, and update all rates within 48 hours of each Scottish Budget or April tax-year change. The site now covers 46 calculators, 138 articles, and 825+ pages — all Scotland-specific.
Personal investing (2017–present)
ISAs, SIPPs, global index funds, and the Scottish tax implications of each. Has navigated dividend tax, CGT, and the £100k personal allowance trap firsthand.
Scottish income tax
6-band Scottish system, salary sacrifice, pension contributions, and how Scottish bands interact with UK-wide taxes like CGT and NI.
Property (LBTT, ADS, buy-to-let)
Scotland's LBTT system vs English SDLT, Additional Dwelling Supplement, Section 24 mortgage relief restriction, and rental yields at Scottish tax rates.
NHS Scotland pension
SPPA scheme structure, the 9-tier contribution system, McCloud remedy, and how the 2015 scheme interacts with Scottish income tax bands.
Web development
Glasgow-based developer. Built MoneySCOT from scratch — every calculator, every page. All computation runs client-side; the figures you type stay in your browser unless you choose to email yourself the result.
I’m not a financial adviser, tax adviser, solicitor, or accountant. MoneySCOT is not authorised or regulated by the FCA. The calculators and articles are informational tools — they help you understand the numbers, but they’re not personalised advice. Always verify rates with Revenue Scotland, HMRC, or mygov.scot, and consult a qualified adviser for decisions specific to your situation.