To see your home equity in PiggySize, add your home as a Real Estate asset, add your mortgage as a debt, and link the two together. Once linked, PiggySize calculates your equity and loan-to-value automatically, and — on Pro — the retirement projection can pay off the mortgage for you when you model selling.
Steps
- Go to Assets (opens in a new tab), select Add Asset, and choose Real Estate / Property.
- Optionally name it under "What do you call this property?" (for example, "Primary Residence") and enter its Current Market Value. Real estate has no separate address field — the name is how you'll tell properties apart.
- Set Asset Owner if it's jointly owned, then save.
- Go to Debts (opens in a new tab), select Add Debt, and choose Home Loan (Mortgage) — PiggySize stores and displays it as "Mortgage" everywhere else in the app.
- Enter the balance and What's the interest rate?, then use I know when this loan... to enter when it started or ends.
- Under Link to Property, select the Real Estate asset you just added. This is the connection PiggySize uses to compute equity and LTV.
- If you have a bill for the mortgage payment, link it under Monthly Payment — there's no separate minimum-payment field; the linked bill is the payment PiggySize uses everywhere.
- Save.
You can also link from the other direction: open the Real Estate asset and use its Link Mortgages field to attach one or more mortgages.
How PiggySize uses the link
- Equity shows directly on the property's row on the Assets page, as its main dollar figure — current value minus the linked mortgage balance. A line above it spells out the math, and a Linked Debts popover lists each linked loan's balance.
- LTV (loan-to-value — how much you owe compared to what the home is worth, as a percentage) is calculated behind the scenes and shown inside the expandable equity insight cards on both the Assets and Debts pages, for example "Strong Equity Position" or "Building Equity," with the LTV percentage in the details.
- Retirement (Pro): if you model selling your home, the projection automatically pays off the linked mortgage out of the sale proceeds.
Good to know
- Only Real Estate, Vehicle, and Recreational Vehicle assets can link to a debt — the same mechanism links a car to its auto loan.
- Real estate has no institution field — there's no bank to enter for a property you own outright.
- An unlinked home and an unlinked mortgage are each tracked correctly on their own, but PiggySize can't show combined equity or LTV until you link them.
FAQ
How do I see my home equity in PiggySize?
Add your home as a Real Estate asset and your mortgage as a debt, then link them. The Assets page then shows your equity — value minus the linked balance — right on the property.
What is LTV?
Loan-to-value: how much you still owe compared to what the home is worth, shown as a percentage. PiggySize calculates it once your mortgage and home are linked.
Can I link more than one mortgage to a property?
Yes. The property's Link Mortgages field accepts more than one linked loan, for example a first and second mortgage.
Does linking affect my retirement projection?
On Pro, yes — if you model selling your home in retirement, the projection automatically pays off the linked mortgage from the sale proceeds.
Do I have to link them from the debt side?
No. You can link from either side — the mortgage's Link to Property field, or the property's Link Mortgages field — they set the same connection.