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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. Legal & General’s salary sacrifice calculator literally states it doesn’t support Scottish taxpayers. Most mortgage affordability tools ignore LBTT. Every inheritance calculator uses 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 34 calculators, 108 articles, and 730+ 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; no financial data is ever sent to a server.
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.