Larder:Paycheck Budget Planner

Give every paycheck a job before you spend it. Split your pay into envelopes on payday, then read one honest number: what is actually left to spend.

Payday lands. Before you spend anything, you give every dollar a job — rent, groceries, gas, the trip in November. Then Larder shows you one honest number: what is actually left to spend this cycle.

That number is the whole app. It moves as you spend, and it does not pretend a bill that has not hit yet is money you still have.

PLAN EVERY PAYCHECK

• Split each paycheck into envelopes — rent, groceries, fun, savings goals
• Watch the liquid fill as you add to an envelope; it drops as you spend
• Whatever you don't assign stays in hand until you give it a job

SEE WHERE IT GOES

• Budget vs. spent on every category, at a glance
• Spending history and breakdown by category
• Fixed bills carry their own due date and settle themselves on the day

SAVE ON PURPOSE

• Savings goals you fund a little each payday, not all at once
• Sinking funds for trips, gifts, anything with a deadline
• Pay down debt with a clear payoff date

PRIVATE BY DEFAULT

• Your accounts stay yours — Larder never connects to them
• Works offline, and syncs across your devices with Sign in with Apple

LARDER PRO (optional)

• Forecast Trajectory — where your savings and payoffs are heading, with range bands and what-if sliders
• Spending pace — the day this cycle runs dry, and what a different daily rate would change
• Ask the analyst about your own envelopes in plain language
• Multi-cycle trends and your typical spend range
• Unlimited spending envelopes

Free to use for the full budgeting core. Pro is a subscription — yearly with a 7-day free trial, or weekly; cancel anytime in Settings. Subscriptions auto-renew unless turned off 24 hours before the period ends.

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