An AI financial guardian built for real life
Shelter's AI financial guardian connects to your bank, watches your money 24/7, and uses strategic playbooks to keep you ahead. Here's what it does.
Everything you need to stay ahead of your money
Built for people who hate budgeting but want financial peace of mind.
Shelter AI Financial Guardian
Your personal AI financial guardian that remembers past conversations, runs 7 strategic playbooks, and proactively coaches you via push notifications and Telegram. It learns which advice you follow through on and improves over time.
- Remembers your history across sessions
- 7 strategic playbooks (survival plans, subscription audits, bill choreography, and more)
- Proactive coaching via push and Telegram
- Learns what works for you
30-Day Cash Flow Forecast
See your exact account balance 30 days into the future. The AI analyzes your income patterns and recurring bills to predict cash crunches before they happen.
- Visual timeline of your projected balance
- Identify low-balance days in advance
- Plan spending around paycheck cycles
Proactive Bill Alerts
Never miss a bill or get caught off guard by a low balance. We automatically detect your recurring bills and alert you before due dates and potential shortfalls.
- Automatic bill detection via Plaid
- Early warnings for upcoming bills
- Cash crunch alerts 7 days in advance
Zombie Subscription Detection
Find subscriptions you are paying for but not using. We analyze your transaction history to identify services draining your account unused.
- Detect unused subscriptions automatically
- See potential monthly and yearly savings
- Track all recurring charges in one place
Action Items & Insights
Get personalized recommendations to improve your financial situation. From canceling unused subscriptions to optimizing bill timing.
- Prioritized action list with impact scores
- Track completed actions and savings
- Monthly plans tailored to your situation
Telegram Integration
Access your AI financial guardian anywhere via Telegram. Get quick updates, ask questions, and receive alerts directly in your messaging app.
- Chat with Shelter AI on Telegram
- Receive instant balance updates
- Get alerts without opening the app
Bank-Grade Security
Your financial data is protected with the same security standards used by major banks. We use Plaid for read-only bank connections and never store your login credentials.
- Read-only access via Plaid (Venmo, Robinhood)
- AES-256 encryption at rest
- TLS 1.2+ encryption in transit
How Shelter works
Get started in minutes and let AI handle the heavy lifting.
Connect Your Accounts
Securely link your bank accounts via Plaid in under 2 minutes. We support 12,000+ financial institutions.
AI Analyzes Your Patterns
Our AI examines your transaction history to identify income patterns, recurring bills, and spending habits.
Get Personalized Insights
Receive cash flow forecasts, bill alerts, and actionable recommendations tailored to your financial situation.
One plan. Everything included.
No tiers, no upsells, no feature-gating. Just $9.99/month for everything.
What you get with Shelter
- 30-day spending forecast
- AI financial guardian chat
- Automatic bill detection
- Zombie subscription finder
- Real-time alerts
- Telegram integration
- Unlimited bank connections
$9.99
per month
Or $79/year (save $39)
- 14-day free trial (starts after setup)
- Cancel anytime
- Full access to all features
Ready to stop worrying about money?
Join thousands of users who have replaced budgeting spreadsheets with an AI financial guardian that actually watches their money.