Push and pull the window frame back and forth. If the window frame moves while pulling and pushing it, it has space around the frame that permits air to seep out.
Look along the frame of the window. Your windows are poorly insulated if light peaks in along the window frame.
Close windows, fireplaces and doors and turn off the home's water heater. Turn off the furnace and turn on exhaust fans to remove air from the home.
Move your hand slowly around the window frame to feel for air leaks. If a cool or warm stream of air blows against your hand, the window frame has a leak.