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

PLAN YOUR NEXT PAYCHECKS (PRO) - See what each of your next three paychecks has to cover: bills, set-asides and goals - Get an optional heads-up when a paycheck looks short - Every figure is an estimate from the amounts and dates you enter; real income and bills can differ

ASK THE AI COACH (PRO, OPTIONAL) - Ask about your plan in your own words - Only if you allow it, your question and your plan, including logged spending and notes, are sent to OpenAI to write the reply; you can turn this off in Settings - Figures in a reply are checked against your plan, but AI replies can still be wrong or incomplete

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 AI coach about your plan (optional, only after you allow it) - 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

Larder is a budgeting tool, not a financial adviser. Forecasts, coach replies and suggested amounts are estimates for your own planning, not financial, investment, tax or legal advice. Decisions about your money are yours.

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 3-day yearly trial when the App Store shows that offer. Price, trial eligibility, and renewal terms appear before purchase. Payment is charged to your Apple Account; the subscription renews unless cancelled at least 24 hours before the end of the current period. Manage or cancel through your App Store account settings.

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