Shelter

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.