Shelter - AI Financial Guardian | Stop Living Paycheck to Paycheck

# 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** - an AI financial guardian 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 third-party ads. Revenue comes from