Larder:Paycheck Budget Planner

Payday lands. Before you spend, give each dollar a job — rent, groceries, gas, or a savings goal. Larder then estimates what remains to spend this cycle from the amounts and transactions you enter. The estimate changes as you update spending and accounts for fixed bills recorded in your plan. PLAN EVERY PAYCHECK - Split each paycheck into spending envelopes, bills, and savings goals - See each envelope change as you fund it or record spending - Leave money unassigned until you decide where it belongs PLAN FOR CARD SPENDING - Record a card purchase against an envelope when it happens - Larder holds that amount as committed to the card so it is not shown as available again - Settling the statement releases the hold without recording the purchase twice - Split one purchase across several envelopes SEE YOUR PLAN - Compare budgeted and recorded spending by category - Review spending history and category breakdowns - Give fixed bills a due date in your plan SAVE TOWARD A GOAL - Add to savings goals each payday - Create sinking funds for trips, gifts, and other plans - View projected goal or debt dates based on your inputs NO BANK CONNECTION - Larder does not connect to or import data from your bank accounts - Budget data can sync across devices through your Larder account LARDER PRO (optional) - Ask the analyst about your envelopes; requests are processed as described in the Privacy Policy - View projected savings and payoff ranges and try what-if amounts - See an estimated spending pace and run-out date - Photograph a receipt to extract a total for you to review before saving - Log spending with Siri - Review multi-cycle trends and typical spending ranges - Create unlimited spending envelopes The free plan includes up to ten spending envelopes; bills and savings goals do not count toward that limit. Pro is an auto-renewable yearly or weekly subscription. Eligible users may receive a 7-day yearly trial when the App Store shows that offer. Price, trial eligibility, and renewal terms appear before purchase. Manage or cancel through your App Store account settings. Privacy Policy: https://larderbudget.com/privacy Terms: https://larderbudget.com/terms