Features
An AI financial guardian built for real life
Shelter connects to your bank read-only, looks ahead at what is coming around the clock, and uses strategic playbooks to keep you ahead. Here's what it does.
Real app screens,
sample numbers.
What Shelter does
Everything you need to stay ahead of your money
Built for people who hate budgeting but want financial peace of mind.
Ask Shelter, your AI financial guardian
Your personal AI financial guardian in the mobile apps remembers past conversations, runs 7 strategic playbooks, and proactively coaches you with optional messaging support.
- Remembers your history across sessions
- 7 strategic playbooks (survival plans, subscription audits, bill choreography, and more)
- Proactive coaching in the Shelter apps
- 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
Optional Telegram Messaging
Add Telegram as a companion channel if you want quick Shelter questions and protective alerts in chat too.
- Optional Shelter chat alerts
- Quick questions in Telegram
- Disconnect anytime from Settings
Read-Only Security
Shelter uses Plaid for read-only bank connections, never stores your bank login credentials, and cannot move money from your accounts.
- Read-only account connections
- AES-256 encryption at rest
- TLS 1.2+ encryption in transit
Three steps
How Shelter works
Get started in minutes and let AI handle the heavy lifting.
Step 1
Connect Your Accounts
Link eligible bank accounts through Plaid. Shelter receives read-only data needed for forecasts, alerts, and coaching.
Step 2
AI Analyzes Your Patterns
Our AI examines your transaction history to identify income patterns, recurring bills, and spending habits.
Step 3
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 chat with Shelter
- Automatic bill detection
- Zombie subscription finder
- Real-time alerts
- Optional Telegram chat alerts
- Unlimited bank connections
Ready to stop worrying about money?
Replace spreadsheet upkeep with a forward-looking brief that shows what is safe, what hits next, and what to handle first.
