Shelter

io.github.nextauralabsPublished by GitHub account nextauralabsv1.0.7Updated Oct 28, 2026

Connect AI agents to scoped financial context from your own Shelter account

VerifiedSTDIODesktop onlyFinance Data & Analytics

Server details

Identifier: io.github.nextauralabs/shelter
Transport: STDIO
Runtime: Desktop only
Trust: Verified
Published: Sep 16, 2026

Security note

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Overview

AI-generated overview

Read-only MCP server that gives an assistant scoped access to your own Shelter account's forecasts, runway, alerts and affordability guidance.

What you can do: Check connection and authority status, and pull scoped financial context for reasoning
Retrieve safe-to-spend runway, upcoming pressure and cash-flow forecasts
List current financial alerts and actionable savings opportunities
Simulate whether a purchase is affordable
Get daily coaching summaries, topic-specific coaching and answers to financial questions
Use bundled prompts for financial checkups, spending reviews and purchase planning
When to use it: Useful when you want an assistant to reason about your personal or business cash flow, runway and spending decisions using data already connected in Shelter, without giving it the ability to move money.
Requirements: Runs locally via npx with Node.js 20 or newer. Needs a Shelter account with connected financial data and a scoped API key supplied in the SHELTER_API_KEY environment variable; SHELTER_API_URL optionally overrides the API base URL. No Plaid developer account is required.

Before you install

The API key is a credential and should be treated like a password: do not commit it or put it in command history on shared machines. Without the key the server returns suppressed responses with no financial values. The server is read-only and cannot move money or access Plaid credentials, but it sends your financial context to Shelter's hosted Agent API. An optional HTTP mode binds to 0.0.0.0 and is not recommended for personal use.

Installation

In SourceWeft

Open Shelter in the dashboard and add it to a workspace.
Enable the server for the chats that should use its tools.

Desktop only via STDIO. STDIO servers start a local process, so they need the SourceWeft desktop host.

Other MCP clients

Follow the launch instructions in the repository.

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:

with SHELTER_API_KEY in the server environment.

Claude Code

Install the Shelter plugin, which bundles this server with the Shelter skill:

Export SHELTER_API_KEY in your shell before starting Claude Code. Or add only the server:

Claude Desktop

json

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

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

Restart Claude Desktop after saving its configuration.

Codex

Cursor

Add this server to Cursor's MCP settings:

json

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

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

The package also provides financial checkup, spending review, and purchase-planning prompts.

Available tools

shelter_status: connection and authority status
shelter_runway: safe-to-spend runway and upcoming pressure
shelter_forecast: manifest-bound cash-flow forecast
shelter_alerts: current financial alerts
shelter_opportunities: actionable savings opportunities
shelter_context: scoped financial context for agent reasoning
shelter_affordability: purchase affordability simulation
shelter_coach_daily: daily coaching summary
shelter_coach_advice: coaching for a requested topic
shelter_ask: ask Guardian a financial question

Environment variables

Variable	Required	Description
`SHELTER_API_KEY`	Yes	Scoped key created in Shelter. Keep it secret.
`SHELTER_API_URL`	No	API base URL. Defaults to `https://api.shelter.money/agent`.
`PORT`	HTTP mode only	Local HTTP port. Defaults to `3100`.

If SHELTER_API_KEY is missing, the server still exposes its tool definitions but returns suppressed responses with no financial values. It never substitutes sample money data for a user's real financial state.

Security model

End-user identity comes only from the scoped Shelter API key.
Keys are stored by Shelter as SHA-256 hashes and shown only once when created.
Keys can be scoped and revoked from the Shelter developer page.
The hosted Agent API applies authentication, authorization, rate limits, and audit logging.
The MCP package does not contain Shelter backend code, deployment secrets, Plaid tokens, or bank credentials.
Financial responses fail closed when authoritative data is unavailable.

Treat the API key like a password. Do not commit it or place it directly in command history on shared machines. See SECURITY.md for vulnerability reporting.

Development

Run the stdio server from the built package:

A stateless Streamable HTTP entrypoint is also built for controlled hosting:

The HTTP entrypoint binds to 0.0.0.0 and is not the recommended personal-client setup. Use stdio unless you operate and secure the HTTP environment yourself.

Architecture

This public repository contains only the MCP adapter. It calls Shelter's hosted, read-only Agent API. Shelter's private financial calculations, authentication gateway, database schema, and service credentials are not part of this package.

License

MIT

Listed in the Claude Market MCP directory.

Source: README.md at commit 194a5d8

Tools

SourceWeft has not started this package in its sandbox yet, so its tools are not known.

Version history

v1.0.7LatestOct 16, 2026
v1.0.6Sep 16, 2026

Score

50% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

Reached in the last 30 days25 pts
Keep the endpoint answering the MCP handshake; SourceWeft probes it every 30 days.
Auth declared10 pts
Declare the credential headers in the registry entry, or keep the endpoint answering the probe so its auth can be classified.
Tools listed15 pts
Answer tools/list without a credential, or ship a package that starts in a sandbox without one.
DescriptionRequired15 pts
Logo10 pts
Documentation15 pts
License10 pts