How it works

How PiggySize works

You type in your numbers — income, bills, what you own and owe — and PiggySize turns them into a full financial picture: net worth, what’s left over each month, and on Pro, a month-by-month retirement projection. No bank linking, ever.

Get Started Free See a live demo

30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo).

No bank logins, everFree plan, no time limitYour data, exportable anytime

The design choice

Why manual entry, and no bank linking

You type in your numbers. That is not a limitation of the product — it is the whole design.

There is no account-aggregation service anywhere in PiggySize — no Plaid, MX, Finicity, Teller, or Yodlee, and nothing like them. That means there is no bank username or password for the app to ask for, so there is nothing there to leak, phish, or get breached.

Nothing changes behind your back. Your numbers do not move because a sync broke or a transaction got recategorized overnight — they only change when you change them.
The honest tradeoff: someone has to type the numbers in, and that is you. Setting everything up the first time takes roughly an evening; after that, keeping it current runs about 15 minutes a month.
Uploading a paystub photo is optional and only reads what you hand it — it is not a standing connection to anything.

Free, no time limit

What you put in, what you get out

The free plan covers the whole financial picture — no credit card, and it does not expire.

Income

Every paycheck, benefit, or side income — around 30 income types — with take-home pay worked out automatically. Snap a photo of a paystub and let PiggySize read the numbers for you — three free scans, unlimited on Pro.

Bills

What you owe every month, split into needs and wants, with a calendar of due dates.

Assets & debts

Everything you own and owe, rolled up into one net-worth number.

What's left over

Income minus bills — the number that tells you what is actually available each month.

What-if scenarios

Try a hypothetical purchase or change and see the before-and-after, without touching your real data.

Family sharing

Invite a spouse or partner with their own login and their own permissions. One subscription covers the household.

Debt payoff

Compare avalanche vs. snowball and see your projected debt-free date and total interest — from your real balances.

Financial goals

Set a savings target, track progress automatically, and watch it on the same chart as everything else.

History over time

Snapshots and life-event milestones plotted on one chart, so you can watch the picture change over months and years.

Included with Pro

How the retirement engine works

This is the part most calculators fake with a single number. PiggySize runs your plan month by month, from today through age 95, for you — and your spouse or partner, if you plan together — across four kinds of accounts: traditional, Roth, taxable, and HSA.

Social Security at any claim age from 62 to 70, including spousal benefits and provisional-income taxation.
Pensions and annuities, with cost-of-living adjustments where yours has one.
Required minimum withdrawals — IRS Uniform Lifetime Table, starting at age 73 or 75 — and Roth conversion ladders, on schedule.
Medicare, IRMAA surcharges, and a long-term-care stretch if you want to model one.
A defined withdrawal order — earned income, then Social Security, pensions and annuities, HSA, taxable, traditional, then Roth — with the 10% early-withdrawal penalty and Roth contribution-basis tracking applied in the pre-59½ years.
A Monte Carlo run — you pick 1,000 or 10,000 simulated markets — drawing log-normal monthly returns around your expected return at a fixed 15% annual volatility, from a seeded generator so the same inputs reproduce the same result. It reports a success rate (the share of runs where your money lasts) alongside p10–p90 confidence bands.

What it doesn’t model

Some things stay out of scope on purpose: reverse mortgages, 1031 real-estate exchanges, and an inheritance or windfall dated to a specific future year aren’t modeled. Taxes use one steady effective rate rather than re-deriving IRS brackets year by year. Market volatility is a single fixed assumption (15% a year), not tuned to your allocation, and the simulations are randomized rather than replays of past market cycles. Survivor income — what happens to the household if one spouse dies — is a separate analysis card, not part of the month-by-month projection. If your plan leans heavily on one of those, treat the projection as a starting point, not the last word.

See the full retirement engine

Your data

Your data is yours

Every table in the database is locked down, and you can walk away with everything you entered whenever you want.

Row-level security on every table — the database itself enforces that your family can only ever read its own rows.
No bank credentials are ever collected — there is no code in the product that could ask for or store one.
Export everything as a .zip — a full JSON copy plus a CSV for each type of data — anytime, free on every plan.
Delete your account entirely, with a typed confirmation, whenever you want. No support ticket, no exit interview.
We never sell data, and there are no advertising SDKs anywhere in the product.

See our full security page

See your whole picture

Set it up once. The Free plan covers the essentials for good, and every account also gets Pro to try — retirement planning, businesses, and the AI assistant.

Get Started Free

30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo).

Important: PiggySize is a financial planning and tracking tool. It is not a financial advisor, investment advisor, accountant, or tax professional. The information, calculations, and projections it provides are for informational and educational purposes only and are not financial, investment, tax, or legal advice. Projections are estimates, not guarantees — they are based on the numbers and assumptions you enter, and actual results will vary. Consult a qualified professional before making financial decisions. PiggySize assumes no liability for decisions made based on the software.

How PiggySize works

30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo).

No bank logins, everFree plan, no time limitYour data, exportable anytime