Shelter
Connects Claude to your actual bank account data to provide financial coaching based on real transaction history and cash flow patterns. You'd use this when you want AI assistance with budgeting, spending analysis, or savings goals that works with live financial data rather than hypothetical scenarios. The server handles bank connections and exposes operations for analyzing cash flow trends, setting up spending alerts, and generating personalized savings recommendations. Think of it as turning Claude into a financial advisor that can see your actual money movements and help you make decisions based on what's really happening in your accounts.
- tools
- 10
- auth
- Secret needed
- transport
- STDIO
- env vars
- 2
- last updated
- Oct 16, 2026
Tools
10 toolsPublic tool metadata for what this MCP can expose to an agent.
shelter_statusconnection and authority status
connection and authority status
No parameter schema in public metadata yet.
shelter_runwaysafe-to-spend runway and upcoming pressure
safe-to-spend runway and upcoming pressure
No parameter schema in public metadata yet.
shelter_forecastmanifest-bound cash-flow forecast
manifest-bound cash-flow forecast
No parameter schema in public metadata yet.
shelter_alertscurrent financial alerts
current financial alerts
No parameter schema in public metadata yet.
shelter_opportunitiesactionable savings opportunities
actionable savings opportunities
No parameter schema in public metadata yet.
shelter_contextscoped financial context for agent reasoning
scoped financial context for agent reasoning
No parameter schema in public metadata yet.
shelter_affordabilitypurchase affordability simulation
purchase affordability simulation
No parameter schema in public metadata yet.
shelter_coach_dailydaily coaching summary
daily coaching summary
No parameter schema in public metadata yet.
shelter_coach_advicecoaching for a requested topic
coaching for a requested topic
No parameter schema in public metadata yet.
shelter_askask Guardian a financial question
ask Guardian a financial question
No parameter schema in public metadata yet.
Sponsors
Agent CaffeineSponsoredClose your lid, come back to finished work
SnugSponsoredThe clipboard manager for the AI eraPromote your product hereReach 125k+ visitors monthly
WaxSponsoredBlock anything with supervision, without erasing your iPhonePromote your product hereReach 125k+ visitors monthly
knobsSponsoredSee your site on any phone, any day, in any languageConfiguration
SHELTER_API_KEY*secretYour scoped Shelter API key. Financial values are suppressed without one.
SHELTER_API_URLCustom API base URL (default: https://api.shelter.money/agent)
Readme
Shelter MCP Server
Connect Claude, Codex, Cursor, and other MCP-compatible agents to scoped financial context from your own Shelter account.
The server is read-only. It can retrieve forecasts, runway, alerts, opportunities, and affordability guidance, but it cannot move money or access Plaid credentials.
Requirements
- Node.js 20 or newer
- A Shelter account with connected financial data
- A scoped API key from shelter.money/developer
No Plaid developer account is required.
Quick start
Create an API key, then configure your MCP client to run:
npx -y @shelter.money/mcp
with SHELTER_API_KEY in the server environment.
Claude Code
Install the Shelter plugin, which bundles this server with the Shelter skill:
/plugin marketplace add nextauralabs/shelter-skill
/plugin install shelter@shelter-skills
Export SHELTER_API_KEY in your shell before starting Claude Code. Or add only the server:
claude mcp add shelter --env SHELTER_API_KEY=wv_your_key_here -- npx -y @shelter.money/mcp
Claude Desktop
Details
- Repository
- github.com/nextauralabs/shelter-mcp
- Website
- shelter.money/developers
- Package
@shelter.money/mcp- Transport
- STDIO
- Auth
- Required
- Registry
- MCP registry, active