To add a bill, go to the Bills page, click Add Bill, and fill in how much it costs, how often it charges, and what category it falls under. PiggySize uses that to track your recurring expenses, split them into needs and wants, and — if you link it to a debt or asset — keep the bill in sync with what you owe or own.
Steps
- Go to Bills (opens in a new tab) and click Add Bill.
- Enter a name and amount, then set What type of bill? to a category like Mortgage Payment or HOA / Condo Fee, grouped under headings like Real Estate, Transportation, Insurance & Protection, Taxes & Fees, Family, Subscriptions & Services, Food & Personal, Education & Activities, and Savings & Investments.
- Set How often is this charged? to Monthly, Bi-Annually, or Annual.
- Under Need or Want?, choose Need if you can't live without it, or Want if it's nice to have but not essential. This drives your needs-vs-wants split elsewhere in the app.
- Set How do you pay this? to Account, Credit Card, Cash, or Varies.
- If the category matches something you're already tracking, link it — a Mortgage Payment bill can Link Mortgage Debt, and a retirement or investment contribution bill can Link Account to the matching asset.
- Click Add to save.
How it works
- Category groups organize the picker and power the category breakdowns on the Bills page's Insights tab.
- Need or Want feeds your discretionary income split — "discretionary income" is what's left over after needs, wants, and taxes, shown on your dashboard.
- Every bill has an on/off toggle. Turning it off excludes it from every calculation but keeps it in your list — useful for a subscription you've paused without losing its history. Its tooltip reads "Unchecked items won't be included in calculations."
- Linking a bill to a debt keeps them in sync — PiggySize uses that link elsewhere, like knowing which mortgage to pay off if you model selling your home in retirement.
Good to know
- Recurrence is intentionally simple — Monthly, Bi-Annually, or Annual — because every other frequency you see elsewhere in the app (weekly, yearly, and so on) is just a converted view of one of these three.
- A bill can be split by percentage across your businesses (Pro), but not between family members — a bill belongs to the household or to one business, not to individual people.
- Adding a bill is free on every plan.
FAQ
What recurrence options does a bill have?
Monthly, Bi-Annually, or Annual. PiggySize converts that into whatever frequency you view elsewhere in the app.
What's the difference between a need and a want?
It's how PiggySize splits your discretionary income. Mark a bill Need if you can't live without it, or Want if it's nice to have but not essential.
Can I link a bill to a loan I'm tracking?
Yes — categories like Mortgage Payment and Auto Loan let you link the bill to the matching debt, so the two stay in sync.
What happens if I turn off a bill instead of deleting it?
PiggySize excludes it from your calculations but keeps it in your list, so you can turn it back on later without re-entering it.