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Pensions, 403(b)s, Social Security at any claim age from 62 to 70 with spousal benefits, survivor income analysis, and a Monte Carlo success rate — the share of thousands of simulated markets where your money lasts. No bank login.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo).
In plain numbers (illustrative):
The projection
Most calculators give you one number. PiggySize runs your money month by month — from today to age 95 — for you, and your spouse or partner, if you plan together.
Your real timeline is built from your own dates — this is one example.
Social Security
When you claim changes your check for the rest of your life. PiggySize models every whole age from 62 to 70 using the SSA’s own factors — a 30% cut for claiming at 62, a 24% raise for waiting until 70.
The lower earner gets the greater of their own benefit or half of their spouse’s — that’s built into the projection. And the survivor income analysis faces the harder question: if one of you dies first, which check survives, and how far does household income drop. The part of planning as a couple most tools skip — out in the open.
See it live with real numbersA $3,000 full-retirement-age benefit, adjusted by the SSA’s own factors.
Plus spousal benefits (the greater of your own or half your spouse’s) and a survivor income analysis for whoever outlives the other.
Pensions
If you have a pension — teacher, firefighter, nurse, government, union — it’s not an afterthought bolted onto a 401(k) tool. PiggySize pays it as real retirement income, and grows it each year with a cost-of-living adjustment when yours has one.
While you’re still saving, the plan holds your contributions to the actual IRS limits — including the age-50 catch-up and the SECURE 2.0 super catch-up for ages 60 to 63. You’ll see when a contribution would go over the line, not next April.
See it live with real numbersGrows 2% a year with a cost-of-living adjustment
IRS limits the plan enforces (2026)
Illustrative pension; limits are the current maintained IRS figures.
Monte Carlo
A single projection assumes the market behaves. Real markets don’t. A Monte Carlo run rolls your plan through thousands of different market histories — up to 10,000 of them — and counts the share where your money lasts. That share is your success rate.
88%
of markets
your money lasts
In plain numbers (illustrative):
Enter your numbers once and watch the whole picture — no bank login, nothing to break.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo).
Taxes & rules
The rules that decide how much you actually keep are the ones spreadsheets quietly skip. PiggySize builds them in.
The IRS makes you start drawing down traditional accounts at 73, or 75 if you were born in 1960 or later, under SECURE 2.0. The plan starts them on time and taxes them.
Move money from traditional to Roth across your lower-income years, each person on their own schedule, with the conversion tax counted.
Retiring before 59½? The 10% penalty is applied — and Roth contributions, which you can take out penalty-free, are drawn first.
Medicare premiums begin at 65, with the IRMAA surcharge for higher incomes, and you can model a long-term-care stretch with its own start age and inflation.
Already retired
You don’t have to be saving toward retirement to use this. Turn on already-retired mode and the plan starts spending from month one, in the right order, so you can see the one thing that matters: whether your money lasts.
It works for one person as squarely as it works for a couple — Social Security, pensions, and your accounts, drawn down and stress-tested to age 95.
See it live with real numbersIllustrative example
Ruth is 68 and widowed. She wants to know one thing: will her survivor Social Security benefit, plus what’s left in her IRA, carry her comfortably to 95?
She switches on already-retired mode, enters her survivor benefit and her IRA balance, and reads the answer as a Plan Confidence percentage — then tries spending a little more, or a little less, to see what changes. That is exactly what already-retired mode is for.
Under the hood
A projection you can’t inspect isn’t worth much. Here’s how the engine works, in plain terms — including where it keeps things simple and what it doesn’t try to do.
Each month the plan covers your spending in a set order: any income you still earn, then Social Security, then pensions and annuities, then your HSA for medical costs after 65, then proceeds from selling a home, then taxable savings, then traditional accounts, and Roth last. It’s the sequence most retirees are told to follow, and it’s aware of required withdrawals as it goes.
Taxes use one steady effective rate rather than re-deriving every bracket year by year — clear and predictable, not a tax return. Monte Carlo assumes 15% annual market volatility, in line with the long-run stock market. Both are honest approximations, and we’d rather tell you than hide them.
Some things are genuinely out of scope today: reverse mortgages, 1031 real-estate exchanges, and a windfall or inheritance dated to a specific future year. If your plan hinges on one of those, treat the projection as a starting point, not the last word.
Build the whole plan — pensions, Social Security, taxes, and a Monte Carlo success rate — for you, and your spouse or partner, if you plan together.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo). After 30 days you keep the Free plan — no charge, no card.
Pro is $90 a year, flat — a fraction of a typical advisor’s 1%-of-assets fee, and never a cut of what you own.
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.