Shelter: AI Money Guardian

Budget bills before payday. Know what is safe to spend, spot overdraft risk, and catch subscriptions. Read-only.

Plan each payday, track bills, and know what is safe to spend before payday.

Shelter looks ahead at bills, subscriptions, debt payments, direct debits, and upcoming cash pressure so your bank balance is easier to trust. Instead of wondering whether today's balance is real, you get a clear Safe-to-Spend number, the next thing that could hit your account, and the first move to make.

GUARDIAN FOR REAL CASH FLOW Most finance apps explain what happened after your money is gone. Shelter helps you see the tight week before it happens. Guardian watches your cash-flow picture, counts what is already spoken for, and turns the pressure into one practical next step without shame or lectures.

WHAT SHELTER HELPS WITH:

• Payday planning: See what is already spoken for before payday.
• Safe-to-Spend: Know what is actually available after bills and direct debits.
• Bill tracking: See what hits next before it drains your balance.
• Overdraft warnings: Spot tight days while you still have time to act.
• Subscription tracking: Find recurring payments you may be able to move, reduce, or cancel.
• AI money coaching: Ask what changed and what to handle first.

PRIVATE & SECURE

• Read-only: Shelter uses Plaid for a secure, read-only bank connection.
• No money movement: Shelter cannot move money, make payments, or change your accounts.
• No ads: We do not sell your financial data or push credit cards you do not need.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Shelter provides guidance and planning, not banking, investment, tax, or legal advice.