Understand your dashboard

Your dashboard — PiggySize calls it The Big Picture — is the first thing you see after signing in. It pulls your income, bills, assets, and debts into one screen so you can check your finances without opening every page. Here's what each widget shows and how PiggySize calculates it.

How it works

• Income — your take-home pay for the period, with Gross pay and Deductions + Taxes listed below it. Click through to Income (opens in a new tab) for detail.
• Bills — your total bills, split into Needs (essential) and Wants (discretionary) — whichever you marked as required when you added each bill.
• Bills vs Spending Money — a pie chart comparing your total bills to what's left of your take-home pay after bills.
• Spending Money — your discretionary income: take-home pay minus every bill. It's what's left each month to save, invest, or spend freely.
• Net Worth — your assets minus your debts, using the Net Worth rules below.
• What You Own vs Owe — a pie chart comparing your net assets to your total debts.
• Safety Net — the combined value of your Life Insurance policies and HSA balances, gathered as your emergency cushion. Life insurance always stays out of Net Worth; an HSA you or your spouse owns also counts toward it, so an HSA can show in both.
• Financial Health (the insights card) — a score out of 100 built from five factors: your income compared to your household size, how much of your take-home pay goes to essential bills, your net worth compared to your income, how many years your safety net would cover, and how much you have left over each month. Click the card for the full breakdown.
• Financial Goals — a preview of up to 2 of your savings or debt-payoff goals with their progress. Click View All to see every goal.
• Retirement Tracker — a free preview of your retirement outlook: your next milestone (like retirement age or Social Security), an estimated balance, and a progress bar from age 18 to 100. Its projection fills in once you've entered a birthday. The full projection lives on the Pro Retirement (opens in a new tab) page.
• Historical Tracking — a chart of your Net Worth and Spending Money over time, built from your saved Snapshots, with Milestones marked as stars. See Track your progress with snapshots and milestones to start building it.

Use the Breakdown selector at the top of the dashboard to change how Income, Bills, and Spending Money are shown — Daily, Weekly, Every 2 Weeks, Twice a Month, Monthly, or Yearly. Net Worth, Safety Net, and the pie charts always reflect today's totals no matter what you pick. PiggySize remembers your last choice on your next visit.

A worked example

Say your take-home pay is $6,000/month, your essential bills (Needs) are $2,500, and your discretionary bills (Wants) are $900. Your Spending Money is $6,000 − $2,500 − $900 = $2,600/month. If you also have $300,000 in assets and $180,000 in debts, your Net Worth is $120,000. A $250,000 term life policy stays out of that $120,000 — life insurance never counts toward Net Worth — and shows up in the Safety Net card instead. A $4,000 HSA you own is different: it's already part of your $120,000 Net Worth, and the Safety Net card lists it too.

Assumptions and limits

• Term and whole life insurance never count toward Net Worth — their full value (no matter who owns the policy) shows up in the Safety Net card instead.
• HSAs count toward Net Worth only if they're owned by you, your spouse, or nobody in particular (household). An HSA owned only by a child is left out of Net Worth — but the Safety Net card still adds up every HSA in your account regardless of owner.
• 529 accounts count toward Net Worth only if you or your spouse owns them — a 529 with no owner set, or owned only by a child, is excluded entirely.
• There's no per-asset value history. PiggySize stores only each asset's current value — a running history of your whole household comes from Snapshots, not from individual accounts.