@shelter.money/mcp

@shelter.money/mcp

MCP server for Shelter — AI financial coaching powered by real bank data.

Works with Claude Desktop, Cursor, Windsurf, and any MCP-compatible client.

Quick Start

SHELTER_API_KEY=sk_xxx npx @shelter.money/mcp

No API key? It runs in demo mode with sample data so you can try it out.

Claude Desktop

Add to your claude_desktop_config.json:

{
  "mcpServers": {
    "shelter": {
      "command": "npx",
      "args": ["-y", "@shelter.money/mcp"],
      "env": {
        "SHELTER_API_KEY": "sk_xxx"
      }
    }
  }
}

Cursor / Windsurf

Add to your MCP settings:

{
  "shelter": {
    "command": "npx",
    "args": ["-y", "@shelter.money/mcp"],
    "env": {
      "SHELTER_API_KEY": "sk_xxx"
    }
  }
}

Tools

Tool	Description
shelter_status	Financial snapshot — safe-to-spend, balances, health score
shelter_runway	Days until you run out of money, daily budget
shelter_forecast	Projected cash flow over the next few weeks
shelter_alerts	Unusual spending, upcoming bills, low balance warnings
shelter_opportunities	Savings opportunities — unused subscriptions, negotiable bills
shelter_context	Natural-language summary of your financial situation
shelter_affordability	Check if you can afford a purchase and see the impact
shelter_coach_daily	Today's personalized financial coaching tip
shelter_coach_advice	Targeted advice on debt, savings, bills, subscriptions, or negotiation
shelter_ask	Ask Guardian AI any question about your finances

Prompts

Prompt	Description
financial-checkup	Step-by-step review of status, alerts, forecast, and runway
spending-review	Find savings opportunities with optional category focus
plan-a-purchase	Evaluate if you can afford something and understand the impact

Environment Variables

Variable	Required	Description
SHELTER_API_KEY	No	Your Shelter API key. Runs in demo mode without one.
SHELTER_API_URL	No	Custom API base URL (default: https://api.shelter.money/agent)

Programmatic Usage

import { createShelterMcpServer } from '@shelter.money/mcp';

const server = createShelterMcpServer();

License

MIT