Larder:Paycheck Budget Planner

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. Privacy Policy: https://larderbudget.com/privacy Terms: https://larderbudget.com/terms