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 — forecasts, runway, alerts, opportunities, and affordability guidance. It cannot move money and never sees Plaid credentials. Without a SHELTER_API_KEY the server still exposes its tool definitions but fails closed, returning suppressed responses with no financial values.
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Documentation
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Tools
shelter_status— Get a snapshot of your financial status — safe-to-spend, balances, upcoming bills, health score.shelter_runway— How many days until you run out of money — daily budget, next payday, safe-to-spend.shelter_forecast— Verified 14-day view of Shelter's canonical 30-day balance forecast.shelter_alerts— Get active financial alerts — unusual spending, upcoming bills, low balance warnings.shelter_opportunities— Find savings opportunities — unused subscriptions, negotiable bills, spending patterns to optimize.shelter_context— Get a natural-language summary of the user's financial situation for use as conversation context.shelter_affordability— Check if you can afford a specific purchase — impact on safe-to-spend, recommendation.shelter_coach_daily— Get today's personalized financial coaching tip based on your recent spending.shelter_coach_advice— Get targeted financial advice on a specific topic — debt, savings, bills, subscriptions, or negotiation.shelter_ask— Ask Guardian AI any question about your finances — spending, bills, trends, or advice.
About MCP
The Model Context Protocol (MCP) is an open protocol Anthropic introduced for connecting LLM-based agents to external tools and data sources. Providers publish MCP servers that expose their API surface as structured, discoverable tools — an MCP-compatible client (Claude Desktop, Cursor, Cline, Continue, etc.) can connect to the server and call its tools without any per-provider integration code.
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