Stop getting screwed
by your bank account
You're one surprise bill away from an overdraft fee. Budgets don't work. Spreadsheets lie. Shelter is the AI that actually watches your money 24/7 and helps you before you get screwed.
Real texts from your future
This is what Shelter actually sends you. No fluff. Just warnings and real talk when you need it most.
Know your real numbers
Not what you hope. Not what you budgeted. What you actually have. Shelter shows you Safe Days, what's due, and what you can actually spend. No lies.
Your AI that texts you first
Shelter doesn't wait for you to log in. It watches your money 24/7 and slides into your DMs when you need to know something. Before it's too late.
1. Pay electric bill
2. Skip the coffee run tomorrow
3. Set aside $50 for groceries
Ask like a human
No commands to memorize. Just text "Can I afford dinner?" like you would a friend who knows your money.
Answers in seconds
Safe Days, what to pay first, if you can afford something - instant answers with YOUR real numbers.
Warns you first
Shelter texts YOU when it sees trouble coming. Not the other way around. That's the whole point.
Always in your pocket
In line at Target wondering if you can afford groceries? Text Shelter. Don't open an app. Just text.
/plan- Today's best move/safe- Safe Days + spending/debt- Debt summary/snowball- Payoff planOr just type naturally - "Can I afford pizza tonight?" works too.
Included with every account. Because if it's not in your pocket, it doesn't exist.
73% of users get warned about problems via Telegram before they happen
What you get that actually works
Budgets fail. Spreadsheets lie. Shelter actually watches your money and warns you before shit hits the fan.
Know when you're about to get screwed
Safe Days tells you exactly how many days until you're broke. Not a guess. A real number that updates every time you swipe your card.
Texts you BEFORE it hurts
Shelter sees a cash crunch coming 3 days out and actually texts you. Not an email you'll ignore. A text. While you can still fix it.
Get out of debt for real
Snowball or Avalanche - pick one and Shelter builds you a step-by-step plan. Not 'pay more when you can.' Actual concrete steps.
See the punches coming
See every bill, every subscription, every paycheck. No more 'surprise' overdrafts because you forgot Netflix hits on the 17th.
Zombie Subscriptions
Find forgotten charges and keep the money for what actually matters.
Hidden money, found
Shelter scans your spending and matches you to savings you're missing. Tax credits, cheaper alternatives, programs you qualify for. Real dollars back.
Built for real people with real bills.
Money you're already owed
Most people miss hundreds in savings every year. Shelter scans your spending and finds credits, discounts, and programs you qualify for — automatically.
Scans your spending
Shelter analyzes where your money goes and matches you to savings you're missing. Credits, discounts, cheaper plans — hiding in plain sight.
Real dollars back
Tax credits, cheaper alternatives, income-based programs. Not tips — actual money you're leaving on the table right now.
Always looking
New matches surface automatically as your spending changes. No manual search. No forms. It just works.
Runs automatically. You don't search for savings. Shelter finds them and tells you.
Average user finds $840/year in hidden savings they didn't know existed
Built on trusted infrastructure
We are bootstrapped, but the foundation is serious. Shelter uses best-in-class partners for identity and bank connections.
Secure authentication
Sign-in is handled by Clerk, a trusted authentication provider.
Read-only bank connections
Bank connections are powered by Plaid. We never see or store your bank credentials.
Transparent policies
Clear, readable policies so you always know how your data is used.
Notes from early users
Honest notes from people figuring it out, one step at a time.
"I used to avoid my bank app. Now I open Shelter first because it tells me what to do next without making me feel bad."
Paycheck-to-paycheck
"The daily plan is short, clear, and it works. I finally feel like I can get ahead."
Freelancer
"Safe Days changed everything for me. I can see the danger before it hits."
Student
"Snowball made sense to me. I paid off my smallest debt first and kept going."
Small business
Cheaper than one overdraft fee
One plan. Everything included. Cancel anytime.
Shelter Pro
Full financial coach experience
Or $79/year (save $39)
Card required. Cancel anytime.
- Daily money summary & Safe Days
- Unlimited bank connections
- Real-time alerts
- Unlimited Shelter AI chat
- Debt payoff plan
- Telegram integration
- Action items & next steps
- Weekly wins tracking
- Autopilot mode
- Export your data
- Cancel anytime
Average overdraft fee is $35.
Shelter pays for itself if it prevents just one.
Questions? We get it
Everything you might be wondering about, answered honestly.