Pricing That Makes Sense
Start free. Upgrade when you're ready to plan for retirement. No tricks, no pressure.
$7/month vs YNAB's $14.99/month = You save $95.88/year
Truly free. Truly private. We don't sell your data because we don't have access to it. Privacy is included at every tier.
- Unlimited income sources
Track W-2, 1099, self-employment, military pay, and more
- Complete bill management
Essential vs discretionary categorization
- Assets & liabilities tracking
Bank accounts, investments, real estate, loans, credit cards
- Net worth calculation
See your financial position at a glance
- Discretionary income analysis
Know how much you can spend guilt-free
- Scenario testing
Enable/disable items to model "what if" situations
- Family account sharing
Collaborate with spouse and family members
- Cloud sync across all devices
Web, mobile (iOS & Android), and desktop apps
- Financial insights
Smart recommendations to improve your finances
Perfect if you want: Big picture financial control without paying a monthly fee
For the serious planner. When you're ready to know if you can actually retire—and when—upgrade to Pro.
Everything in Free, plus:
- Comprehensive retirement projections
See your exact projected balance at retirement age with detailed year-by-year breakdown
- Social Security modeling
Model different claiming ages (62-70) and see the impact on your retirement income
- Advanced 401k & HSA calculations
IRS limit tracking, employer match optimization, catch-up contribution planning
- Historical snapshots & trends
Track your financial progress over time and see net worth growth
- Life event milestones
Mark important events on your financial timeline (job changes, home purchases, etc.)
- Pension & real estate planning
Include pensions, home sale proceeds, and downsizing in your retirement plan
- Small Business Tracking
Track income, expenses, and assets for multiple businesses independently from personal finances
- Business Analysis & Insights
Model business valuations, owner allocations, and integrated business-to-personal income flow
- Priority email support
Get help faster when you need it
Perfect if you want: To know exactly when you can retire and what you'll have when you get there
Why Upgrade to Pro?
You should upgrade if:
- You're actively planning for retirement (or should be)
- You own a business and want to track your business finances separately
- You want to know "will I have enough?"
- You need to model different retirement ages
- You want to track your financial progress over time
- You value feeling accomplished about your growth
Stick with Free if:
- •You're just getting started with financial planning
- •You're focused on day-to-day finances, not long-term planning yet
- •You mainly want to know your current financial position
- •You're testing out the software before committing
Most users start with Free and upgrade when they're ready to get serious about retirement. There's no pressure and no tricks.
Questions? Answers.
Most free financial apps treat you as the product, selling your data or pushing credit card offers to stay afloat. PiggySize is different: our Free tier is 100% subsidized by our Pro members. This community-supported model ensures that privacy is a right for every user, not a luxury. When you upgrade to Pro, you're getting advanced planning tools and helping us keep PiggySize private and accessible for everyone.
Three reasons: Privacy, Security, and Accuracy.
- Privacy: Your bank credentials never leave your hands. No third-party aggregators have access.
- Security: Bank connections break constantly, leaving your data stale. Plus, they're a security vulnerability.
- Accuracy: Manual entry means every number is exactly what you intend—no miscategorizations, no phantom subscriptions, no duplicates.
Spreadsheets are great—until they're not. PiggySize gives you automatic calculations (retirement projections, 401k limit tracking, Social Security estimates), scenario testing with enable/disable toggles, historical tracking to see your progress, and smart insights you'd have to manually calculate every time. Plus, it syncs across all your devices and lets your spouse collaborate. Think of it as spreadsheets that grew up.
Yes! Small business tracking is one of our flagship Pro features. You can create dedicated profiles for multiple businesses to track their independent income, expenses, and assets. PiggySize even helps you model owner draws and distributions, showing exactly how your business success flows into your personal financial plan.
Setup: One evening. Add your income sources, bills, and accounts. Most people finish in 2-3 hours.
Maintenance: 1 hour per month. Update your account balances, add any new bills or income changes. That's it. No categorizing hundreds of transactions. No fixing auto-import errors. Just the updates that matter.
Absolutely. Cancel your Pro subscription anytime—you keep access until the end of your billing period. Your account automatically downgrades to Free (you don't lose your data). If you need a copy of your data, you can request it through our contact form. No hard feelings.
Yes. We use industry-standard encryption (TLS 1.3 in transit, AES-256 at rest), secure cloud storage, and never share your data with third parties. Since we don't connect to banks, there's no third-party attack surface. Your data is encrypted, backed up, and secured. If you need a copy of your data, you can request it through our contact form.
Free users get email support with typical response times of 24-48 hours. Pro users get priority support with responses usually within 12 hours. We're a small team, but we actually read and respond to every message.
Price: $7/month vs $14.99/month = You save $95.88/year
Features: We include retirement planning. YNAB doesn't.
Time: 1 hour/month vs 10+ hours/month spent categorizing
Privacy: No bank access required (YNAB pushes you toward their bank sync)
Platform: We have desktop apps. YNAB is web/mobile only.
YNAB is great for micro-budgeting. PiggySize is great for macro-planning. Choose based on what you actually need.
Ready to Plan Your Financial Future?
Start with Free. Upgrade to Pro when you're ready. Cancel anytime.
Get Started with Free account—No Credit Card RequiredLegal Disclaimer: PiggySize is a financial planning tool, not a financial advisor. All calculations, projections, and recommendations are for informational purposes only and should not be considered financial, investment, or tax advice. Retirement projections are estimates based on your inputs—actual results will vary. Consult with qualified professionals before making financial decisions. Past performance does not guarantee future results. Use at your own risk.