More room to live. Less money on your mind.

Shelter shows what is safe to spend before payday. See bills coming, spot tight weeks early, and find small changes that make a difference.

See what I can safely spend Try the demo

First brief free. No card required.

Then $9.99/mo or $79/yr after a 14-day trial. Cancel anytime.

Also on iOS and Android.

Read-only Plaid connection
Shelter cannot move money
No ads. No selling your financial data.

Shelter Home: $1,060 safe to spend, with the cat asleep in the cottage room

Shelter Ideas: cook dinner at home three nights a week, could free up about $44 a month

Shelter Forecast: the path to payday with rent, phone and streaming bills on the way

Real app screens,
sample numbers.

How Shelter works

Simple tools. A calmer week.

Safe to spend
See what is safe to spend today, after the bills and autopays that land before payday.
The road to payday
Every bill, payday and plan on the day it lands, laid out like a path you can walk.
What matters most
Tell Shelter what you care about. Ideas that touch it stay out of your way.
Small experiments
Try small switches with an honest estimate. It counts as saved once your bank shows it.

A painted path winding across a meadow to a cottage on the hill, with bills resting in the clearings along the way

A clearer path ahead

Your forecast lays out income, bills and what is safe to spend, day by day, so you can move forward with confidence.

How the forecast works

PaydaySep 20

In 3 days
Rent
$1,100
In 6 days
Groceries
$85
In 9 days
Phone bill
$60

A sample path

A clearer path ahead

Your forecast lays out income, bills and what is safe to spend, day by day, so you can move forward with confidence.

In 3 days
Rent
$1,100
In 6 days
Groceries
$85
In 9 days
Phone bill
$60

How the forecast works

Learns what matters to you

Your home, your people, your pets, your coffee. Tell Shelter what you protect and it plans around it, never the other way around.

Personalize your plan

Home
Family
Coffee
Fun

Small switches. More room.

Try an idea with an honest estimate, like cooking at home a few nights. It only counts as saved once your bank shows it.

Explore ideas

Same cozy you.
More for what matters.

Shelter

usually replies instantly

Can I afford dinner tonight?

You have $42 safe to spend today. That Thai place you like would be $28 - you're good to go! 🍜

Message...

Shelter on Telegram

Shelter has your back wherever money questions happen

Shelter works across mobile, web, and Telegram. Add Telegram when chat is the fastest way to ask what is safe, get a heads-up, or see the next move.

Text your money questions
No commands to memorize. Send "Can I afford dinner?" and Shelter checks your bills, balance, and runway before you spend.
Answers in seconds
Safe-to-spend, what to pay first, if you can afford something - instant answers with your real numbers.
Gives you a heads-up first
Shelter reaches out when something changes, with what happened and the move that keeps you safe.
Always in your pocket
In line wondering if you can afford groceries? Use the app, or add Telegram if chat is easier.

Included with every account. Connect it when chat alerts fit your routine.

Before you connect a bank

You never hand us your bank password.

Shelter connects through Plaid in read-only mode. Plaid runs the login, Shelter receives a read-only token, and that token is encrypted before it is stored. Shelter can see the account. It cannot touch it.

Read the security page

Move money out of your bank: Not built
See or store your bank password: Never sees it
Store your card number: Stripe holds it
Sell your financial data: Not the business model

You tap Link bank inside Shelter.
Nothing is shared until you start the flow yourself.
Plaid takes over the login.
You enter your bank credentials with Plaid, not with Shelter.
Plaid returns a read-only token.
Shelter encrypts it with AES-256-GCM before it is written to the database.
Shelter reads balances and transactions.
There is no write path. There is no transfer or payment endpoint in the codebase.

Common questions

Asked before every signup

Straight answers on safety, pricing, and what happens next. No fine print.

Is connecting my bank safe?

Yes. Shelter connects read-only through Plaid, so it can read balances and transactions to calculate your safe-to-spend number, but it cannot move, hold, or spend your money. Data is encrypted in transit and at rest, and Shelter never sells your financial data.

Security details →Privacy policy →

What does it cost after the free brief?

Your first brief is free and needs no card. After that, Shelter is $9.99/month or $79/year, starting with a 14-day trial. Checkout collects a card up front and billing starts after day 14 unless you cancel. Cancel anytime from Settings, with no fees and no hoops.

Pricing details →

What happens after I sign up?

Three steps. First, connect one bank account read-only. Second, Shelter maps your bills, paydays, and subscriptions across the next 30 days. Third, you get your safe-to-spend number plus the one move that keeps you safe. Start the paid trial only if the brief earns its place.

How it works →

Which banks are supported? What about irregular income?

Plaid covers thousands of US and Canadian banks. Irregular pay is fine: Shelter keys off your actual payday timing and reruns the 30-day read whenever a bill shifts, so the number stays current even when paydays move.

Forecast methodology →

How is this different from my bank app, a budgeting app, or a spreadsheet?

Your bank balance shows everything, including money already spoken for by bills. Budgeting apps sort last month into categories. Shelter forecasts the next 30 days from your real bills and paydays, then warns you before a normal purchase turns into a shortfall.

Compare options →

What if I get stuck or need help?

Email support@shelter.money. We typically respond within 24 hours on business days. The support page also answers common questions about bank connections, billing, and forecasts.

Support page →

Bills land whether they are mapped or not

Know what is safe to spend before your next bill.

Connect one account read-only and read your first brief before you decide anything. It shows what is safe, what changed, and the one move that protects the rest.

Get my safe-to-spend number

First brief free, no card. Cancel anytime. Shelter cannot move money.

Questions? Email support@shelter.money (typically replies within 24 hours on business days) or visit support.

Security Trust center Pricing Methodology

Free tools, no signup

Try the math before the trial

Every tool is free without an account, and each one ends where Shelter begins: your own verified numbers.

More room to live. Less money on your mind.

How Shelter works

Safe to spend

The road to payday

What matters most

Small experiments

A clearer path ahead

A clearer path ahead

Learns what matters to you

Small switches. More room.

Shelter has your back wherever money questions happen

Text your money questions

Answers in seconds

Gives you a heads-up first

Always in your pocket

You never hand us your bank password.

Asked before every signup

Know what is safe to spend before your next bill.

Try the math before the trial

Pay off debt without overdrafting

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How Shelter forecasts 30 days

Learns what matters to you

Small switches. More room.

Shelter has your back wherever money questions happen

Text your money questions

Answers in seconds

Gives you a heads-up first

Always in your pocket

You never hand us your bank password.

Asked before every signup

Know what is safe to spend before your next bill.