# Shelter: AI Money Guardian — Cash Flow, Bills & Safe Spend > Personal finance app for budgeting bills and predicting safe spending before payday. (iPhone/iPad app by Next Aura Labs Inc..) - Source: https://appshunter.io/ios/app/shelter-ai-money-guardian/id6759623578 (this page in markdown: same URL + `.md`) - Developer: [Next Aura Labs Inc.](https://appshunter.io/developer/1612997444) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings · 2 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 63 MB - Languages: American English - Released: 2026-05-12 - Data updated: 2026-08-25 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/shelter-ai-money-guardian/id6759623578/reviews.md ## What is Shelter? 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. ## Key features - Budget bills before payday - Safe-to-Spend calculation - Upcoming cash pressure warnings - Subscription and autopay tracking - Guardian guidance for first financial move - Read-only bank connection ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Shelter Premium Annual | $79.99 | per year | | Shelter Premium Monthly | $5.99 | per month | ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/shelter-ai-money-guardian/id6759623578/reviews.md ### 5/5 — Life saver! *2026-06-23* I’m not the best at keeping my spending under control. Thanks to this app I’m now saving lots on bank charges and other fees/subscriptions I used to just pay every month! ### 5/5 — Exactly What In Was Looking For *2026-06-10* Instead of the run of the mill budget apps, this one actually explains my spending and bills to me. It is so good I even make it my homepage on my desktop to get a daily overview of my finances. ## Frequently asked questions about Shelter ### What is Shelter's main purpose? Shelter helps you budget your bills and understand how much money is safe to spend before your next payday. It analyzes upcoming expenses like bills, subscriptions, and debt payments to give you a clear financial picture. ### How does Shelter ensure my financial data is secure? Shelter uses Plaid for a secure, read-only bank connection, meaning it cannot move money or make changes to your accounts. The app is designed with privacy and security as top priorities, and it does not sell your financial data. ### Does Shelter have ads? No, Shelter is ad-free. The developers state they do not sell your financial data or push unnecessary credit cards. ### What are the subscription options for Shelter? Shelter offers a monthly subscription for $5.99 or an annual subscription for $79.99. These plans likely unlock premium features beyond the free version. ### How often is Shelter updated? The latest version of Shelter was released on June 26, 2026, indicating regular updates to maintain functionality and security. The app is available on iPhone and iPad. ### Can Shelter help me identify recurring charges I can cut? Yes, Shelter helps with subscription and autopay creep by allowing you to see recurring charges. This feature can help you identify services you may be able to move, cut, or cancel to save money. ### What is the 'Safe-to-Spend' feature in Shelter? The 'Safe-to-Spend' feature shows you the amount of money actually available in your account after accounting for all upcoming bills and automatic payments. This helps you avoid overspending. ### What is the age rating for Shelter? Shelter has an age rating of 4+, making it suitable for a wide range of users. It is designed to be a helpful tool for managing personal finances. ## Version history (last 5 releases) ### 2.0.31 — 2026-08-19 Updated App Store metadata and improvements to the overall app experience. ### 2.0.30 — 2026-08-15 Your first money brief now runs automatically after you connect your bank, with a clearer path to the 14-day free trial. Guardian's weekly signals and safety checks are sharper across Today, Next, and chat, and skipped moves now stay in your history. ### 2.0.29 — 2026-08-11 Clearer Guardian handoffs across Today, Next, Moves, and chat, plus more actionable plans, alerts, and setup controls. ### 2.0.28 — 2026-08-01 Clearer Guardian handoffs across Today, Next, Moves, and chat, plus more actionable plans, alerts, and setup controls. ### 2.0.27 — 2026-07-28 Clearer Guardian handoffs across Today, Next, Moves, and chat, plus more actionable plans, alerts, and setup controls. ## More apps by Next Aura Labs Inc. - [ParParty Runner](https://appshunter.io/ios/app/parparty-runner/id6759211361) - [Vettly Companion: Teen Safety](https://appshunter.io/ios/app/vettly-companion-teen-safety/id6780663516) - [Vettly Family: Teen Safety](https://appshunter.io/ios/app/vettly-family-teen-safety/id6780664159) - [weventure — Find Your Crew](https://appshunter.io/ios/app/weventure-find-your-crew/id6789893722) All apps by Next Aura Labs Inc.: https://appshunter.io/developer/1612997444 ## Related topics [guardian ai labs](https://appshunter.io/ios/topics/guardian-ai-labs) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*