For iPhone
Give every paycheck a job before you spend it.
Split your pay into envelopes, watch each one fill, and always know what’s actually left. No bank login. No spreadsheets.
- No
- bank login. Nothing to connect, nothing to reconcile.
- Free
- to use. Pro adds more, and is optional.
- One
- honest number for what is left to spend.
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.
How this kind of budgeting works
Plain answers to the questions people actually type.
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
- No bank login
- Pro is optional