How is this different from budgeting apps?

Budgeting apps ask you to categorize every purchase and stick to a plan. Shelter does neither. It connects to your bank read-only, forecasts the next 30 days automatically, and tells you what to do before problems happen. No budgets to maintain, no categories to fix - just a Guardian watching what is coming and giving you a specific move to make.

Does Shelter replace my bank?

No. Shelter connects to your existing bank accounts through Plaid with read-only access. It cannot move money, make payments, or change anything. Think of it as a protection layer that sits on top of your bank and watches for problems your bank will not warn you about.

Can Shelter actually prevent bad decisions?

Shelter forecasts your next 30 days and alerts you before shortfalls, bill clusters, and risky spending windows. It tells you your safe-to-spend number before you go out, warns you days before a cash crunch, and flags subscriptions you are not using. It cannot stop you from spending, but it makes sure you always know what is coming.

Is my bank data safe?

Yes. We use Plaid for read-only bank connections and Clerk for secure sign-in. 256-bit encryption in transit and at rest. We never see your bank credentials and never move money.

What happens after the trial?

After 14 days, Shelter is $9.99 per month. If the alerts, forecasts, and guidance have not made a real difference, you can cancel anytime - no questions, no hoops. Most people who stay say one avoided fee or one better spending decision already covered the cost.

How does the Telegram messaging work?

Shelter can send you Guardian updates directly through Telegram. Connect your Telegram account and your Guardian will message you proactively - cash flow alerts, bill reminders, and specific next steps, right in your chat. No need to open the app unless you want the full forecast view.

Shelter·Tuesday, 7:15am

“You're tight until payday Thursday. Move your phone bill to next week - that frees up $85 and you'll clear rent with room to spare.”

Game plan ready

Shelter·Saturday, 10:00am

“You're paying $47/month across Netflix, Hulu, and Disney+. That's 3 streaming services - most people only actively use 1.”

Subscription check

Shelter·Friday, 7:45am

“Your electric bill has climbed $35 over 3 months. Your provider has an off-peak plan that would save about $28/month.”

Bill optimization

AI financial guardian

Money stress stops here.
It's time to fight back.

We catch bad money decisions before they cost you.

Start protecting my money

14-day free trial · No card required

Read-only access• Bank-level encryption• Powered by Plaid

Real User Story

“It caught a $240 insurance charge three days before it hit - I had $180 in checking. Without the heads-up I would have overdrafted.”

James T., warehouse manager

Shelter·Tuesday, 7:15am

“You're tight until payday Thursday. Move your phone bill to next week - that frees up $85 and you'll clear rent with room to spare.”

Game plan ready

Shelter·Saturday, 10:00am

“You're paying $47/month across Netflix, Hulu, and Disney+. That's 3 streaming services - most people only actively use 1.”

Subscription check

Shelter·Friday, 7:45am

“Your electric bill has climbed $35 over 3 months. Your provider has an off-peak plan that would save about $28/month.”

Bill optimization

Shelter·Tuesday, 7:15am

“You're tight until payday Thursday. Move your phone bill to next week - that frees up $85 and you'll clear rent with room to spare.”

Game plan ready

Every fee, every trap, every bad decision - caught before it costs you.

We don't control your money. We help you control your decisions.

Shelter

Proactive alerts

Live forecast

Shelter

2:15 PM

Shelter has your back

See the next 30 days

A plan that updates with your life.

Bills, income, and exactly how much you can safely spend. Updated when your accounts change, not when you remember to check.

Refreshed around your real balances, bills, and paydays

Plan

30-day forecast, updated daily

Act

One clear move, adapted to what changed

Guardian

It'll even find you a better job

30-day forecast

Adapts when things change

Job matching built in

What changes

Less checking. Fewer surprises.

The pattern is consistent: fewer money surprises, better timing, and less stress around ordinary weeks.

“I used to check my bank app five times a day. Now I just wait for Shelter to tell me if something needs attention. Haven’t stress-checked in three weeks.”
- Maria K., freelance designer

“It caught a $240 insurance charge three days before it hit - I had $180 in checking. Without the heads-up I would have overdrafted.”
- James T., warehouse manager

“It’s not about the money I saved. It’s that I stopped worrying about whether I’d make it through the week. That feeling is worth way more than $10/month.”
- Priya R., grad student

The problem

The world is trying to keep you in debt

Shelter is trying to get you out of it.

collected in bank fees so far this year

Overdraft fees that hit before you notice

Banks charge you $35 after the damage is done. Nobody warns you when your balance is about to drop below zero.

Subscriptions you forgot you were paying

Small charges that add up to hundreds a year. They renew silently and nobody flags them.

Bills that land at the worst possible time

Two big charges hit the same week as rent. By the time you see it, the overdraft already posted.

Spending decisions you regret by Friday

You thought you could afford it. But nobody showed you what was coming next week.

Banks don't catch these. Shelter does.

That's why Shelter watches for the moments you're about to slip.

Privacy and security

Read-only by default.

Shelter cannot move your money. Bank connections are secure, and the business model is subscriptions, not ads.

Read-only access

We never move your money

Shelter connects through Plaid with read-only access. We never see your login credentials and cannot initiate transfers, payments, or transactions.

Subscription-funded

Your data stays yours

We don't sell your data, run ads, or monetize your attention. Shelter is paid for by subscriptions, which keeps the incentives straightforward.

Protected end to end

Secure bank connections

256-bit encryption in transit and at rest. Bank connections are powered by Plaid, used by Venmo, Robinhood, and thousands of apps.

Read our Privacy Policy and Terms.

A different approach

Stop maintaining a budget. Start seeing what is coming.

No spreadsheets. No category cleanup. Just clear warnings before bills and shortfalls hit.

What budgeting tools ask you to do

Categorize every transaction
Set monthly budgets you never follow
Check your app constantly
Figure out what to do yourself

What Shelter does for you

Watches your accounts automatically
Forecasts the next 30 days
Alerts you before problems hit
Creates a plan for every payday

Shelter replaces budget maintenance with forecast-based guidance.

What changes

Alerts when you're about to slip. Guidance when you're unsure. Clarity before you spend.

Three things that change how you feel about money by the end of the first week.

Alerts before it is too late

Shelter sees bill clusters, cash shortfalls, and subscription changes days before they hit. You get told what is coming so you can act, not react.

Guidance, not guesswork

Every alert comes with a specific next step. Move this amount by Friday. Cancel this subscription. Skip this purchase. One move, not a spreadsheet.

Confidence you can feel

When you can see what is coming and know exactly what to do about it, the anxiety fades. That is what Shelter replaces: the constant low-grade worry about whether you are okay.

How it works

How Shelter works

Connect your accounts once. Shelter keeps the forecast updated and flags what needs attention.

Connect your bank (read-only)

Shelter scans your accounts, bills, and income patterns with read-only access.

We analyze your cash flow in real time

Every day it checks what is coming: bills, shortfalls, subscription changes. It builds a 30-day forecast.

We warn you before risky decisions

Before anything goes wrong, you get a specific next step - in the app or right in your messages.

Start my free trial

Simple pricing

One plan. Full access.

Everything included. No tiers, no upsells, cancel anytime.

MonthlyAnnual Save 34%

$9.99/month

Or $79/year (save $39)

Start free trial

No credit card required - 14-day free trial

Average user finds $840/year in savings

See exactly how much you can safely spend
Get warned about bills and shortfalls days early
Receive action plans tailored to your situation
Pay down debt faster with a personalized strategy
Connect unlimited bank accounts securely
Chat with your AI financial guardian anytime

Read-only bank sync·Bank-level encryption·Cancel anytime

See what is coming before it hits.

Shelter watches your accounts every day, warns you before bills and shortfalls hit, and tells you the next step. Connect your bank. Start the trial. Get clarity without maintaining a budget.

Start protecting my money

14-day trial. Cancel anytime.

Questions

Everything people usually ask before they trust us with a bank connection

The goal here is clarity: what Shelter sees, what it does not do, and how the product fits into a normal month.

Money stress stops here.It's time to fight back.

Every fee, every trap, every bad decision - caught before it costs you.

A plan that updates with your life.

Less checking. Fewer surprises.

The world is trying to keep you in debt

Overdraft fees that hit before you notice

Subscriptions you forgot you were paying

Bills that land at the worst possible time

Spending decisions you regret by Friday

Read-only by default.

We never move your money

Your data stays yours

Secure bank connections

Stop maintaining a budget. Start seeing what is coming.

Alerts when you're about to slip. Guidance when you're unsure. Clarity before you spend.

Alerts before it is too late

Guidance, not guesswork

Confidence you can feel

How Shelter works

Connect your bank (read-only)

We analyze your cash flow in real time

We warn you before risky decisions

One plan. Full access.

See what is coming before it hits.

Everything people usually ask before they trust us with a bank connection

Every fee, every trap, every bad decision - caught before it costs you.

A plan that updates with your life.

Less checking. Fewer surprises.

The world is trying to keep you in debt

Overdraft fees that hit before you notice

Subscriptions you forgot you were paying

Bills that land at the worst possible time

Spending decisions you regret by Friday

Read-only by default.

We never move your money

Your data stays yours

Secure bank connections

Stop maintaining a budget. Start seeing what is coming.

Alerts when you're about to slip. Guidance when you're unsure. Clarity before you spend.

Alerts before it is too late

Guidance, not guesswork

Confidence you can feel

How Shelter works

Connect your bank (read-only)

We analyze your cash flow in real time

We warn you before risky decisions

One plan. Full access.

See what is coming before it hits.

Everything people usually ask before they trust us with a bank connection

Money stress stops here.
It's time to fight back.