Shelter: Budget & Bill Tracker

Shelter is a budget and bill tracker built around one question: what is actually safe to spend before payday?

Most finance apps explain what happened after your money is gone. Shelter looks ahead at balances, income timing, upcoming bills, subscriptions, and spending pressure so you can see tight weeks before they hit.

Connect read-only through Plaid and Guardian turns your cash flow into a clear daily protection brief:
- What is safe until payday
- Which bills or renewals could create pressure
- What changed since yesterday
- Which move to make next

Shelter helps you:
- Track bills before payday
- Forecast cash flow and upcoming income
- Calculate safer spending room
- Spot subscription renewals and bill increases
- Flag overdraft risk and tight days
- Prepare scripts for bills worth negotiating
- Ask Guardian what to do before a purchase, payment, or transfer

Shelter is for everyday people who want a calmer way to manage money without maintaining another spreadsheet. It does not move money, make payments, negotiate bills for you, or change your bank account.

Safety:
- Read-only Plaid connection
- Encrypted financial data
- No ads or data selling
- Account deletion available at shelter.money/delete-account

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