Shelter: AI Money Guardian

Cash Flow, Bills & Safe Spend

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

Budget bills before payday. Know what is safe to spend, spot overdraft risk, and catch subscriptions. Read-only. Plan each paycheck, track bills, and know what is safe to spend before payday. Shelter looks ahead at bills, subscriptions, debt payments, autopays, 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: - Paycheck planning: See what is already spoken for before payday. - Safe-to-Spend: Know what is actually available after bills and autopays. - 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 charges you may be able to move, cut, 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.

  • 5.0
    out of 5
    1 Ratings

Clearer Guardian handoffs across Today, Next, Moves, and chat, plus more actionable plans, alerts, and setup controls.

The developer, Next Aura Labs Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Linked to You

    The following data may be collected and linked to your identity:

    • Purchases
    • Financial Info
    • Contact Info
    • User Content
    • Identifiers
    • Usage Data
  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

The developer has not yet indicated which accessibility features this app supports. Learn More

Seller
  • Next Aura Labs Inc.
Size
  • 64.9 MB
Category
  • Finance
Compatibility
Requires iOS 15.1 or later.
  • iPhone
    Requires iOS 15.1 or later.
  • iPad
    Requires iPadOS 15.1 or later.
  • iPod touch
    Requires iOS 15.1 or later.
  • Mac
    Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
  • English
Age Rating
4+
In-App Purchases
Yes
  • Shelter Premium Monthly $9.99
  • Shelter Premium Annual $79.99
Copyright
  • © 2026 Next Aura Labs Inc.