Shelter: Payday Budget Planner
Budget by paycheck — see what's safe to spend, track bills and autopays.
About Shelter: Payday Budget Planner
Know what is safe to spend before payday.
Shelter is a paycheck budget planner and bill tracker that counts upcoming bills, subscriptions, debt payments, and autopays before showing what is actually safe to spend. See the next charge that could hit your account, the lowest-balance day ahead, and one practical money move before a tight week becomes an overdraft fee.
BUDGET BY PAYCHECK
- Safe-to-Spend budgeting: know what is really available after bills and autopays
- Bill tracker and bill reminders: see what hits next, in payday order
- Cash-flow forecast: a 30-day view of spending, income, and balance
- Overdraft and NSF fee alerts before the risky day
- Subscription tracker: find recurring charges to move, cut, or cancel
- Expense tracking that shows what is already spoken for
- Guardian AI money coach: ask what changed and what to do first
WHY SHELTER
Most budget apps and expense trackers explain what happened after your money is gone. Shelter helps you plan each paycheck and spot the tight week before it happens — no spreadsheets, no shame.
READ-ONLY BY DESIGN
Shelter connects through Plaid with read-only bank access. This budgeting app cannot move money, make payments, transfer funds, or change your accounts.
No ads. We do not sell your financial data. Account deletion is available anytime.
Shelter provides planning guidance, not banking, investment, tax, or legal advice.
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