# Shelter

> Cash flow forecasting, bill alerts, and overdraft prevention - without budgeting.

## What Shelter Does

Shelter is a **read-only** personal finance app that connects to your bank accounts and:

- **30-day cash flow forecast** - predicts your daily balance based on recurring bills, income patterns, and spending habits
- **Overdraft prevention** - alerts you days before your balance drops dangerously low
- **Bill tracking** - surfaces every recurring charge, flags upcoming due dates, and catches bill increases
- **Subscription waste detection** - finds forgotten or duplicate subscriptions costing you money
- **Safe-to-spend** - shows how much you can actually spend today without missing upcoming bills
- **Guardian AI coach** - a financial advisor that sends daily action plans, analyzes spending charts, and coaches you via Telegram
- **Debt payoff planner** - snowball or avalanche strategies with projected payoff timelines

Shelter never moves money, cancels subscriptions, or modifies accounts. It is permanently read-only.

## Who It's For

- People living paycheck to paycheck who need to know if they'll make it to next payday
- People who hate budgeting but still want to avoid overdraft fees and missed bills
- Freelancers and gig workers with irregular income
- Anyone who wants a clear picture of the next 30 days without spreadsheets

## Who It's NOT For

- Investors looking for portfolio tracking or stock analysis
- People who want an app that moves money, cancels subscriptions, or negotiates bills
- People who enjoy detailed category-based budgeting (try YNAB instead)

## Pricing

- **Monthly**: $9.99/month
- **Annual**: $79/year (save 34%)
- **Free trial**: 14 days, full access, no credit card required to start

## Security

- Bank connections via **Plaid** (read-only, never sees credentials)
- Authentication via **Clerk** (secure JWT-based auth)
- Transaction data encrypted with **AES-256**
- No data sold. No ads. Revenue comes only from subscriptions.

## vs Alternatives

| Feature | Shelter | Rocket Money | YNAB | Mint (discontinued) |
|---|---|---|---|---|
| Cash flow forecast | 30-day daily forecast | No | No | No |
| Overdraft alerts | Days in advance | No | No | Balance alerts only |
| Setup required | None (auto from bank data) | Minimal | Heavy (manual budgets) | Moderate |
| Cancels subscriptions | No (read-only) | Yes ($) | No | No |
| AI financial coach | Guardian (daily plans) | No | No | No |
| Read-only guarantee | Yes | No | N/A | No |

## Links

- Website: https://shelter.money
- Features: https://shelter.money/features
- Pricing: https://shelter.money/pricing
- Cash flow forecasting: https://shelter.money/cash-flow-forecasting-app
- Overdraft alerts: https://shelter.money/overdraft-alert-app
- Bill tracking: https://shelter.money/bill-tracker-app
- Subscription tracking: https://shelter.money/best-subscription-tracker-app
- vs Rocket Money: https://shelter.money/rocket-money-alternative
- vs YNAB: https://shelter.money/ynab-alternative
- Blog: https://shelter.money/blog
- Support: https://shelter.money/support
- Full LLM reference: https://shelter.money/llms-full.txt