Most money apps give you a dashboard and wish you luck. Shelter connects to your bank accounts (read-only), forecasts the next 30 days, and tells you what to do before things get tight.
It's like having a financial advisor in your pocket that actually knows your numbers - your pay schedule, your bills, your spending patterns. When a shortfall is coming Thursday, Shelter tells you Tuesday morning with a specific plan: move this bill, pause that spending, and you'll clear rent with room to spare.
What it does:
- 30-day cash flow forecast built from your real transactions — no manual entry
- Proactive alerts before overdrafts, missed bills, or spending drift
- Safe-to-spend number that accounts for upcoming bills and timing
- AI chat in-app and on Telegram — ask anything about your money
- Finds waste — zombie subscriptions, insurance overcharges, better rate opportunities
- Debt payoff plans with real timelines from your actual cash flow
What it doesn't do:
Shelter never touches your money. Read-only bank access via Plaid. No data selling, no ads. Subscription-only business model.
Who it's for:
People living paycheck-to-paycheck who want someone watching their back — not another budget spreadsheet to maintain.
$9.99/mo with a 14-day free trial, no card required.
Comments (1)
Solo founder here. Built Shelter because budgeting apps failed me. Happy to answer any questions about the tech or the journey.