Your AI financial advisor,
connected to your real bank data
Guardian AI knows your accounts, predicts your cash flow, coaches you on every decision, and answers any question about your money.
No budgets. No spreadsheets. Just an advisor who knows your numbers.
A week with Shelter
Real messages Shelter sends — forecasts, action items, and savings it finds for you.
Your financial forecast, at a glance
Shelter projects your cash flow forward — upcoming bills, income, and exactly how much runway you have. Updated every time your accounts change.
Your finances, in the chat app you already use
Forecasts, alerts, and answers — delivered to Telegram. Ask anything about your money in plain English and get an answer with your real numbers in seconds.
Ask in plain English
Text "What's my balance after bills this week?" and get an answer with your real numbers. No jargon, no commands required.
Real numbers, not estimates
Every answer uses your actual account balances, upcoming bills, and income schedule. Not rules of thumb.
Proactive, not reactive
Shelter sends you a heads-up days before a bill hits or your balance dips. You don't have to remember to check.
No app to open
Get your forecast, ask questions, and act on alerts — all without leaving Telegram. One less app to think about.
/plan- Today's best move/safe- Runway + spending/debt- Debt summary/snowball- Payoff planOr just type naturally - "Can I afford pizza tonight?" works too.
Included with every account. Because if it's not in your pocket, it doesn't exist.
73% of alerts arrive 2+ days before a bill or shortfall hits
What Shelter actually does
Your bank shows the past. Shelter's AI advisor forecasts the future, finds hidden savings, and coaches you with real math.
30-day cash flow forecast
Shelter projects your balance forward day by day — factoring in bills, income, and spending patterns. You always know exactly where you stand.
Alerts with lead time
When Shelter spots a shortfall coming, it alerts you days in advance with a specific action to avoid it. Not a notification to worry about — a step to take.
Structured debt payoff
Choose Snowball or Avalanche and Shelter builds a month-by-month payoff calendar. Tracks progress, adjusts for income changes, shows exactly how much interest you save.
Every bill, mapped
All your recurring bills and income in one timeline. See what's due, when it hits, and whether you can cover it — before it lands.
Unused subscription detection
Shelter flags subscriptions you haven't used recently and shows the annual cost. One tap to get the cancel link.
Savings matched to you
Based on your actual spending and income, Shelter matches you to tax credits, assistance programs, and cheaper alternatives you specifically qualify for.
No budget tracking. No manual entry. Shelter does the math.
Money you're already owed
Shelter continuously scans your spending and income to match you with credits, discounts, and programs. Not generic suggestions — specific matches based on your actual finances.
Scans your spending
Shelter analyzes where your money goes and matches you to savings you're missing. Credits, discounts, cheaper plans — hiding in plain sight.
Real dollars back
Tax credits, cheaper alternatives, income-based programs. Not tips — actual money you're leaving on the table right now.
Always looking
New matches surface automatically as your spending changes. No manual search. No forms. It just works.
Runs automatically. You don't search for savings. Shelter finds them and tells you.
Average user finds $840/year in hidden savings they didn't know existed
Built on trusted infrastructure
We are bootstrapped, but the foundation is serious. Shelter uses best-in-class partners for identity and bank connections.
Secure authentication
Sign-in is handled by Clerk, a trusted authentication provider.
Read-only bank connections
Bank connections are powered by Plaid. We never see or store your bank credentials.
Transparent policies
Clear, readable policies so you always know how your data is used.
Notes from early users
What early users say about Shelter.
“I used to check my bank balance and guess. Now I know exactly what my next two weeks look like before Monday morning.”
Nurse, two kids
“Irregular income used to mean constant stress about bills. Shelter forecasts around my actual pay schedule. Game changer.”
Freelance designer
“The debt payoff plan showed me I'd be free of credit card debt in 11 months. Seeing the actual timeline made it real.”
Graduate student
“It found an energy discount I'd been eligible for two years. That alone pays for the subscription three times over.”
Small business owner
One plan. Everything included.
One plan. Everything included. Cancel anytime.
Shelter Pro
Cash flow forecasting + AI financial assistant
Or $79/year (save $39)
Card required. Cancel anytime.
- Daily cash flow summary & runway
- Unlimited bank connections
- Proactive bill & shortfall alerts
- Unlimited Shelter AI chat
- Debt payoff plan
- Telegram integration
- Daily action items & next steps
- Weekly progress tracking
- Autopilot mode
- Export your data
- Cancel anytime
Average user finds $840/year in savings.
The subscription pays for itself in the first month.
Questions? We get it
Everything you might be wondering about, answered honestly.