Larder: Cash Envelope Budget

No bank login. No spreadsheets. Just envelopes that fill as you stuff cash — Larder plans every paycheck before you spend it.

Larder is a money-planning app built on the cash-stuffing method — give every paycheck a job before you spend it.

Plan your income into envelopes, watch the cash level rise as you stuff each one, and always know what's left to spend. No bank login. No spreadsheets. Just a calm, deliberate plan you actually keep.

PLAN EVERY DOLLAR

• Split each paycheck into envelopes — rent, groceries, fun, savings goals
• Watch the liquid fill as you stuff cash in; 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

NO BANK REQUIRED

• Manual by design — nothing to link, nothing to reconcile automatically
• Your money stays private; we never see your accounts
• Works offline, 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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