generated: '2026-09-07'
method: searched
source: https://github.com/nextauralabs/shelter-mcp
status: official
name: Shelter MCP Server
description: >-
  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.
deployment:
  mode: local-stdio
  install: npx -y @shelter.money/mcp
  package: https://www.npmjs.com/package/@shelter.money/mcp
  auth: api-key
  verified: searched
  note: >-
    Stdio transport per the provider's own server.json MCP-registry manifest
    (io.github.nextauralabs/shelter, version 1.0.7); a local HTTP mode (src/bin/shelter-mcp-http.ts,
    default PORT 3100) also exists but binds locally — no hosted remote MCP endpoint is published.
    The adapter calls the Shelter Agent API at https://api.shelter.money/agent (SHELTER_API_URL
    default), authenticated with an X-Shelter-Key header. That host was NXDOMAIN at probe time
    (2026-09-07, verified against 1.1.1.1), so the backing API could not be reached or introspected.
registry_manifests:
- kind: mcp-registry server.json
  url: https://raw.githubusercontent.com/nextauralabs/shelter-mcp/main/server.json
  name: io.github.nextauralabs/shelter
  schema: https://static.modelcontextprotocol.io/schemas/2025-12-11/server.schema.json
- kind: smithery.yaml
  url: https://raw.githubusercontent.com/nextauralabs/shelter-mcp/main/smithery.yaml
environment:
- name: SHELTER_API_KEY
  required: true
  secret: true
  description: Scoped Shelter API key created at https://shelter.money/developer; financial values are suppressed without one.
- name: SHELTER_API_URL
  required: false
  description: 'Custom API base URL (default: https://api.shelter.money/agent).'
- name: PORT
  required: false
  description: Local HTTP port for HTTP mode only (default 3100).
tools:
- name: shelter_status
  title: Financial Status
  description: Get a snapshot of your financial status — safe-to-spend, balances, upcoming bills, health score.
  input: {refresh: 'boolean, optional — force a fresh calculation instead of cached data'}
  backing: GET /v1/status
  annotations: {readOnlyHint: true}
- name: shelter_runway
  title: Cash Runway
  description: How many days until you run out of money — daily budget, next payday, safe-to-spend.
  input: {includeBreakdown: 'boolean, optional — day-by-day breakdown of projected spending'}
  backing: GET /v1/runway
  annotations: {readOnlyHint: true}
- name: shelter_forecast
  title: Cash Forecast
  description: Verified 14-day view of Shelter's canonical 30-day balance forecast.
  input: {days: 'literal 14, optional'}
  backing: GET /v1/forecast
  annotations: {readOnlyHint: true, idempotentHint: true}
- name: shelter_alerts
  title: Financial Alerts
  description: Get active financial alerts — unusual spending, upcoming bills, low balance warnings.
  input: {severity: 'enum info|warning|critical, optional'}
  backing: GET /v1/alerts
  annotations: {readOnlyHint: true}
- name: shelter_opportunities
  title: Savings Opportunities
  description: Find savings opportunities — unused subscriptions, negotiable bills, spending patterns to optimize.
  input: {category: 'enum subscriptions|bills|spending|negotiation, optional'}
  backing: GET /v1/opportunities
  annotations: {readOnlyHint: true}
- name: shelter_context
  title: Financial Context
  description: Get a natural-language summary of the user's financial situation for use as conversation context.
  input: {detail: 'enum summary|full, optional'}
  backing: GET /v1/context
  annotations: {readOnlyHint: true}
- name: shelter_affordability
  title: Affordability Check
  description: Check if you can afford a specific purchase — impact on safe-to-spend, recommendation.
  input:
    amount: number, required — major-unit amount of the purchase
    currency: string, required — uppercase ISO 4217 code (e.g. CAD, USD)
    description: string, required — what the purchase is for
  backing: POST /v1/affordability
  annotations: {readOnlyHint: true}
- name: shelter_coach_daily
  title: Daily Coach Tip
  description: Get today's personalized financial coaching tip based on your recent spending.
  input: {category: 'enum spending|saving|debt|general, optional'}
  backing: GET /v1/coach/daily
  annotations: {readOnlyHint: true}
- name: shelter_coach_advice
  title: Coach Advice
  description: Get targeted financial advice on a specific topic — debt, savings, bills, subscriptions, or negotiation.
  input: {topic: 'enum debt|savings|bills|subscriptions|negotiation|general, required'}
  backing: GET /v1/coach/advice
  annotations: {readOnlyHint: true}
- name: shelter_ask
  title: Ask Guardian AI
  description: Ask Guardian AI any question about your finances — spending, bills, trends, or advice.
  input: {question: 'string, required — natural-language question about your finances'}
  backing: POST /v1/ask
  annotations: {readOnlyHint: true}
prompts:
- financial-checkup
- spending-review
- plan-a-purchase
rate_limits:
  free: 10 requests/minute, 100 requests/day, 5 Guardian asks/day
  premium: 60 requests/minute, 10,000 requests/day, 100 Guardian asks/day
x-evidence:
  fetched: '2026-09-07'
  sources:
  - url: https://github.com/nextauralabs/shelter-mcp
    status: 200
  - url: https://registry.npmjs.org/@shelter.money%2fmcp
    status: 200
    note: latest 1.0.7, published 2026-08-19
  - url: https://shelter.money/developers
    status: 200
  - url: https://api.shelter.money/agent
    status: 0
    note: NXDOMAIN at probe time; tools/list could not be introspected live — tool list and
      input schemas read from the provider's published TypeScript sources (src/tools/*.ts)