Shelter: Payday Budget Planner

Plan each paycheck, track bills, and know what is safe to spend before payday. Shelter is a kinder home for your money. It looks ahead at your bills, subscriptions, debt payments and autopays, so the number you see is the number you can actually spend. No spreadsheets, no shame, no guessing. SEE WHAT'S SAFE - Safe to spend: what is really available today, with rent and bills already set aside. - The road to payday: every bill, subscription and paycheck on one path, in date order. - Overdraft warnings: spot a tight day while there is still time to act, plus one clear move to stay above zero. A BUDGET PLANNER BUILT AROUND PAYDAY - Your paydays, found for you: Shelter reads your deposits, whether you are paid weekly, every two weeks, twice a month, monthly or on an irregular schedule. - A 30-day cash flow forecast: your balance day by day, so a short week never sneaks up on you. - A plan for each paycheck: the bills it has to cover, and what is left for you. BILL TRACKER AND SUBSCRIPTION TRACKER - Every bill before it is due: rent, utilities, phone, insurance and loan payments on one timeline. - Subscriptions and recurring charges: Shelter spots them for you and flags the ones you don't seem to use. - Canceled for real: tell Shelter you canceled something, and it checks your transactions to confirm the charge stopped. - Spending tracked for you: transactions come in on their own, so there is nothing to log by hand. DECIDE WITH CONFIDENCE - Can I afford it?: check a purchase against every bill until payday and get a straight answer. - Small switches: ideas that fit your real money, like pausing a subscription you don't use. - Real savings: Shelter counts a saving only once your bank shows it. - Ask Shelter: ask what changed and what to handle first, in plain words. AVOID OVERDRAFT FEES Overdraft fees tend to land on the days you can least afford them. Shelter watches the days ahead, warns you before your balance dips below zero, and suggests one move that helps, like asking to move a bill date or pausing a charge. PRIVATE & SECURE - Read-only: Shelter connects through Plaid with read-only access. - 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. - More than one bank: connect the checking, savings and credit card accounts you use every day. Account deletion is available anytime. Shelter provides planning guidance, not banking, investment, tax, or legal advice.