Shelter

Shelter is a read-only AI money guardian from Nextaura Labs that connects to a user's financial accounts through Plaid and publishes a 30-day cash-flow forecast, safe-to-spend and affordability checks, bill and subscription detection, and low-balance alerts. Its agent surface is an official open-source MCP server (npm @shelter.money/mcp, ten read-only tools with an MCP-registry server.json) backed by a scoped-API-key Agent API; the documented API host api.shelter.money was NXDOMAIN at probe time (2026-09-07), so the live API could not be reached.

Shelter publishes 1 API on the APIs.io network. Tagged areas include Personal Finance, Budgeting, Fintech, MCP, and AI Agents.

Shelter’s developer surface includes pricing, support, engineering blog, signup flow, and 15 more developer resources.

🌐 Visit website 📡 Source on GitHub

37.4/100 thin Agent 9/100 agent aware Full breakdown ↓
scored 2026-09-07 · rubric v0.20.0

1 APIs 1 MCP Servers

Personal Finance Budgeting Fintech MCP AI Agents Cash Flow Forecasting

Kin Score

Kin Score How this is scored →
scored 2026-09-07 · rubric v0.20.0

Composite quality — 37.4/100 · thin

Contract Quality 0.0 / 25

Developer Ergonomics 9.0 / 20

Access Clarity 14.7 / 20

Operational Transparency 5.8 / 13

Contract Governance 0.5 / 12

Discoverability 7.2 / 10

Agent readiness — 9/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/shelter-money: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Shelter MCP

Official read-only MCP agent surface for the Shelter budgeting product — ten tools covering status, runway, forecast, alerts, opportunities, context, affordability, coaching, an...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Shelter MCP Server

Official, open-source (MIT) read-only MCP server connecting Claude, Codex, Cursor and other MCP-compatible agents to scoped financial context from a user's own Shelter account —...

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Shelter Money Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Shelter Money Rate Limits

6 limits

RATE LIMITS

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Shelter Money Authentication

1 scheme

SECURITY

Shelter Money Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Shelter Money Vulnerability Disclosure

security.txt · contact published

SECURITY

Shelter Money Trust Center

trust center published

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

SignUp

SignUp

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Build 3

SDKs, sample code, and the tooling you integrate with

Packages

Packages

SDKs

SDKs

GitHubOrganization

GitHubOrganization

Access & Security 5

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

Security

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

TrustCenter

TrustCenter

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

PrivacyPolicy

TermsOfService

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

name: Shelter
description: Shelter is a read-only AI money guardian from Nextaura Labs that connects to a user's financial accounts through
  Plaid and publishes a 30-day cash-flow forecast, safe-to-spend and affordability checks, bill and subscription detection,
  and low-balance alerts. Its agent surface is an official open-source MCP server (npm @shelter.money/mcp, ten read-only tools
  with an MCP-registry server.json) backed by a scoped-API-key Agent API; the documented API host api.shelter.money was NXDOMAIN
  at probe time (2026-09-07), so the live API could not be reached.
url: https://raw.githubusercontent.com/api-evangelist/shelter-money/refs/heads/main/apis.yml
created: '2026-09-07'
modified: '2026-09-07'
specificationVersion: '0.21'
tags:
- Personal Finance
- Budgeting
- Fintech
- MCP
- AI Agents
- Cash Flow Forecasting
apis:
- name: Shelter MCP
  description: Official read-only MCP agent surface for the Shelter budgeting product — ten tools covering status, runway,
    forecast, alerts, opportunities, context, affordability, coaching, and Guardian Q&A, shipped as the open-source npm package
    @shelter.money/mcp (stdio transport) and authenticated with a scoped API key. The declared backing base https://api.shelter.money/agent
    is the provider's own documented default (SHELTER_API_URL), but the host did not resolve (NXDOMAIN) when probed on 2026-09-07.
  humanURL: https://shelter.money/developers
  baseURL: https://api.shelter.money/agent
  tags:
  - MCP
  - Personal Finance
  properties:
  - type: Documentation
    url: https://shelter.money/developers
  - type: SourceCode
    url: https://github.com/nextauralabs/shelter-mcp
  - type: MCPServer
    url: mcp/shelter-money-mcp.yml
  - type: Authentication
    url: authentication/shelter-money-authentication.yml
  - type: RateLimits
    url: rate-limits/shelter-money-rate-limits.yml
  - type: Conventions
    url: conventions/shelter-money-conventions.yml
  - type: Conformance
    url: conformance/shelter-money-conformance.yml
common:
- type: Website
  url: https://shelter.money
- type: DeveloperPortal
  url: https://shelter.money/developers
- type: WellKnown
  url: well-known/shelter-money-well-known.yml
- type: SecurityTxt
  url: well-known/shelter-money-security.txt
- type: LLMsTxt
  url: llms/shelter-money-llms.txt
- type: Security
  url: security/shelter-money-vulnerability-disclosure.yml
- type: VulnerabilityDisclosure
  url: security/shelter-money-vulnerability-disclosure.yml
- type: TrustCenter
  url: security/shelter-money-trust-center.yml
- type: DomainSecurity
  url: security/shelter-money-domain-security.yml
- type: Packages
  url: packages/shelter-money-packages.yml
- type: SDKs
  url: packages/shelter-money-packages.yml
- type: Plans
  url: plans/shelter-money-plans-pricing.yml
- type: Pricing
  url: https://shelter.money/pricing
- type: Support
  url: https://shelter.money/support
- type: Blog
  url: https://shelter.money/blog
- type: PrivacyPolicy
  url: https://shelter.money/privacy
- type: TermsOfService
  url: https://shelter.money/terms
- type: SignUp
  url: https://shelter.money/sign-up
- type: GitHubOrganization
  url: https://github.com/nextauralabs
maintainers:
- FN: Shelter (Nextaura Labs)
  url: https://shelter.money
  email: support@shelter.money
x-coverage:
  state: covered
  detail: Real provider artifacts were found and saved — security.txt, llms.txt, the official MCP server (npm @shelter.money/mcp
    1.0.7 with an MCP-registry server.json), published rate limits, pricing, and auth docs; the one wall remaining is that
    the documented Agent API host api.shelter.money is NXDOMAIN, so no live contract could be harvested or introspected.
  evidence:
  - url: https://shelter.money/.well-known/security.txt
    status: 200
  - url: https://shelter.money/llms.txt
    status: 200
  - url: https://shelter.money/developers
    status: 200
  - url: https://registry.npmjs.org/@shelter.money%2fmcp
    status: 200
  - url: https://api.shelter.money/agent
    status: 0
    note: NXDOMAIN — no A/AAAA/CNAME record, verified against 1.1.1.1
  checked: '2026-09-07'
x-source:
  via: apis.io/add 58ed6e7b, parked no_consumable_surface; listed by Kin 2026-09-07 on what is served
  fetched: '2026-09-07'
  note: No OpenAPI/spec is served and none was reconstructed. The MCP tool surface was read from the provider's published
    sources (github.com/nextauralabs/shelter-mcp). When api.shelter.money answers, re-probe and harvest the real thing.
x-enrichment:
  date: '2026-09-07'
  status: enriched
  artifacts_added: 13
  pass: local-v3

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/shelter-money"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/shelter-money/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/shelter-money/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.