Larder plans money by paycheck rather than treating the month as one undifferentiated budget. Assign each check to spending envelopes, bills, and savings goals; record card purchases against envelopes so that committed spending is not counted twice; and compare planned amounts with logged activity. The app does not connect to banks, and its projections depend on the dates and amounts you enter. Pro adds planning across upcoming paychecks, receipt capture, spending forecasts, and an optional AI coach. If you enable that coach, your question and budget details may be sent to OpenAI for a response. The US listing includes a free tier with up to ten spending envelopes; Pro is listed at $39.99 yearly or $5 weekly, with an eligible seven-day annual trial. Larder describes itself as a budgeting tool, not a financial adviser.
Larder:Paycheck Budget Planner
A paycheck-based envelope budget planner for bills, spending, savings goals, and card purchases.
Overview
A closer look at Larder:Paycheck Budget Planner.
A closer look
App screenshots
Choose with confidence
The useful details.
What it does
- Split paychecks into spending envelopes, bills, and savings goals.
- Record card purchases against envelopes and reconcile statements without double-counting.
- Compare budgeted and logged spending and plan future paychecks with Pro.
- Use optional receipt capture, spending trends, and an AI coach.
A good fit for
- People who budget around paydays and want to assign each paycheck before spending.
Worth knowing
- There is no bank import, so estimates depend on manual entries. Enabling the AI coach sends plan details to OpenAI; its answers can be wrong.
Frequently asked questions
Answers based on the app’s official listing and reviewed information.
What is Larder:Paycheck Budget Planner used for?
A paycheck-based envelope budget planner for bills, spending, savings goals, and card purchases.
What can you do with Larder:Paycheck Budget Planner?
Split paychecks into spending envelopes, bills, and savings goals. Record card purchases against envelopes and reconcile statements without double-counting. Compare budgeted and logged spending and plan future paychecks with Pro. Use optional receipt capture, spending trends, and an AI coach.
Who is Larder:Paycheck Budget Planner designed for?
People who budget around paydays and want to assign each paycheck before spending.
What should you know before downloading Larder:Paycheck Budget Planner?
There is no bank import, so estimates depend on manual entries. Enabling the AI coach sends plan details to OpenAI; its answers can be wrong.
Does Larder:Paycheck Budget Planner include paid features?
US App Store: Larder Pro is listed at $39.99 yearly or $5 weekly; an eligible yearly plan may include a 7-day trial.
Which platforms support Larder:Paycheck Budget Planner?
Greatooly's reviewed app information lists iOS.
Researched from official sources; this is not a hands-on review. Last checked 2026-11-04.
Keep exploring
More apps that might be a good fit.
Jars: Savings Goal Tracker
Jars tracks user-entered savings goals, deposits, and withdrawal plans without holding or moving money.
Coal - Gift List & Budget
Budget for gifts by recipient and track each purchase through delivery, wrapping, and returns.
Budget Planner App: Tally
A personal budget app with voice expense entry, automatic category suggestions, spending limits, and charts.