Forward-looking balance timeline
See projected low points, upcoming income, and bill clusters on a single timeline instead of piecing them together from past transactions.
Cash Flow Forecasting App
A cash flow forecasting app that shows what happens next
Shelter forecasts your bank balance 30 days ahead using read-only bank data, recurring bill detection, and income timing so you can see risky days before they happen.
This is the job most budgeting apps skip. Instead of telling you where your money went last month, Shelter shows what your account is likely to do over the next few weeks.
Why Shelter fits
Why people choose Shelter for this use case
The product is built around read-only bank connections, forward-looking alerts, and clear next steps instead of category policing.
Built around real bill timing
Shelter identifies recurring bills and paycheck patterns from connected accounts so the forecast stays tied to your actual financial rhythm.
Read-only by design
The app never moves money. It reads balances and transactions through Plaid so you get visibility without giving up control.
AI-powered next steps
When Shelter's AI sees a rough week ahead, it picks the single best action - subscription cuts, due-date shifts, or spending adjustments - and explains why.
Common questions
How is cash flow forecasting different from budgeting?
Budgeting assigns spending limits by category. Cash flow forecasting focuses on timing by projecting how your balance will move day by day based on bills, income, and recurring charges.
Can Shelter help with irregular income?
Yes. Shelter is designed to detect recurring paychecks and variable income patterns so the forecast reflects what usually lands in your accounts instead of assuming a fixed monthly salary.
Do I have to enter transactions manually?
No. Shelter uses read-only bank connections through Plaid to build the forecast from your actual account activity.