For iPhone
Give every paycheck a job before you spend it.
Put your pay in and watch it split, then read the one number that says what is left.
- Free to use
- Works offline
- Pro is optional
Money planned on payday, not chased afterwards
The plan
Every envelope is a decision you already made
Payday splits into envelopes before anything is spent. Groceries, gas, the trip you are saving for — each one holds a number you set, and you can see it drain in real time instead of finding out at the end of the month.
- Fixed, spending, saving and debt
- Fills on payday
- Empty means empty
The check
One number, and you can trust it
Because the bills were set aside on payday, what is left really is left. Larder tracks the pace against your payday, so “you have $725” also tells you whether that is ahead or behind.
- Pace against payday
- Compared to your own months
- No forecast you did not ask for
The arithmetic, before anyone signs up for anything
- 26
- paychecks in a biweekly year, not 24
- 0
- bank connections, ever
- 3
- calculators, free, no signup
- $5,050
- what the 100-envelope challenge adds up to
What a printable leaves out
8 bills 26 bills
A chart tells you an envelope holds $347. Eight bills, if it were one lump. Split across five envelopes it takes twenty-six, because every envelope has to come out exact on its own — and no printable works that out for you.
Work out the bills- $100 bills
- 1
- $50 bills
- 3
- $20 bills
- 2
- $10 bills
- 3
- $5 bills
- 2
- $1 bills
- 15
Try the math first
These run the same calculations Larder does. No account, nothing saved, nothing to install.
- Biweekly budget calculatorSplit take-home pay across bills and envelopes on a 26-paycheck year.Open
- Savings challenge tracker100 envelope, 52 week, or any goal you name.Open
- Paychecks left this yearCount the paydays still coming, and which months hold an extra one.Open
- Sinking fund categoriesThe irregular costs, split by urgency, priced per paycheck.Open
- Cash envelope plannerSplit cash by category and get the exact bills to withdraw.Open
How this kind of budgeting works
Plain answers to the questions people actually type.
- How many paychecks are in a year by pay schedule?
- How to budget by paycheck
- What is envelope budgeting?
- What is a sinking fund?
- What to do with a third paycheck month
- Cash envelope categories: a practical starter list
- Emergency fund vs. sinking fund: which comes first?
- What to do when an envelope runs out
- Should you budget weekly or per paycheck?
- How much should I save per paycheck?
- How to budget when you get paid biweekly
- How to budget when you get paid weekly
- How to budget when you get paid once a month
- How to budget when you get paid twice a month
Give your next paycheck a job
Set up the envelopes once. Every payday after that reuses the plan you already made.
Get Larder on the App Store- Free to use
- Works offline
- Pro is optional