Shelter is a read-only financial intelligence skill that enables AI agents to analyze bank data, calculate safe-to-spend limits, and provide personalized coaching.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install shelter
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install shelter using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is Shelter?
Shelter transforms your AI agent into a sophisticated personal financial coach by providing a read-only bridge to real-world banking data via Plaid. Designed for developers building with Openclaw Skills, it interprets complex financial transactions into actionable insights like safe-to-spend balances, cash flow runway, and subscription optimization. Instead of just delivering raw data, it synthesizes information to help users understand their financial health in real-time.
The skill provides a tiered API approach, ranging from lightweight health checks to deep 14-day forecasts and advanced simulations. It is particularly valuable for users who want to proactively manage their money, identify zombie subscriptions, and receive automated coaching through the integrated Guardian AI, which handles nuanced, free-form financial queries.
Shelter Use Cases
- Determining exactly how much is safe-to-spend today after accounting for all upcoming bills and commitments.
- Predicting potential cash crunches by identifying the specific dates when account balances are likely to go negative.
- Uncovering wasted money by automatically detecting zombie subscriptions and spending spikes.
- Simulating large purchases to see their immediate and long-term impact on financial runway and stress levels.
- Receiving daily proactive financial coaching and tailored advice on debt reduction and savings growth.
How Shelter Works
- The skill authenticates with the Shelter Agent API using a securely stored SHELTER_API_KEY.
- When a user asks a question, the agent selects the most cost-effective endpoint, starting with high-level snapshots like /v1/status.
- For time-sensitive inquiries, the skill retrieves a 14-day projection via the /v1/forecast endpoint to visualize upcoming income and expenses.
- If a specific purchase is mentioned, the /v1/affordability endpoint simulates the transaction against the user's real-time balance and commitments.
- For complex, nuanced financial planning, the skill leverages Guardian AI via the /v1/ask endpoint to provide reasoned, natural language advice.
Shelter Setup
To get started with this skill for Openclaw Skills, follow these steps:
- Sign up at shelter.money and connect your bank accounts via Plaid.
- Navigate to settings to generate your Agent API key.
- Export the required environment variables in your terminal:
export SHELTER_API_KEY="your_generated_key"
export SHELTER_API_URL="https://api.shelter.money/agent"
- Verify the connection with a quick status check:
curl -s -H "X-Shelter-Key: $SHELTER_API_KEY" "$SHELTER_API_URL/v1/status"
Shelter Data Schema & Taxonomy
Shelter organizes financial insights into structured JSON objects optimized for agent interpretation:
| Component | Key Data Points |
|---|---|
| Health Snapshot | safeToSpend, stressLevel (low to critical), confidence score, and next income date. |
| Runway Metrics | burnRate (daily average), safeDays remaining, and specific crunch dates/amounts. |
| Forecast Data | 14-day array containing projectedBalance, events, and isCrunch/isTight flags. |
| Alerts & Ops | List of active warnings, severity levels, and total potential annual savings. |
| Coaching Schema | Personalized headlines, body text, suggested actions, and emotional tone flags. |
Shelter Advanced Features
- Guardian AI Chat: Access a high-reasoning engine for complex financial planning and open-ended questions.
- Purchase Impact Simulation: POST-based simulation to check if a specific dollar amount is affordable based on future commitments.
- Subscription Auditor: Automatically identifies and flags recurring 'zombie' subscriptions that provide low value.
- Multi-Topic Advice: Specialized coaching modules for debt management, savings strategies, bill negotiation, and general spending.
- Security-First Design: Read-only bank access with scoped API keys and instant revocation capabilities for maximum user safety.
SKILL.md
Loading
Related Openclaw Skills
Content Moderation (Vettly API)
A professional-grade moderation tool that leverages AI to automatically filter and audit text, image, and video content via the Vettly API.
OpenHarmony React Native Performance Optimizer
A specialized set of static analysis rules and optimization guidelines designed specifically for React Native applications running on the OpenHarmony platform.
BatchJob Async Job Skill
A comprehensive tool for managing the end-to-end lifecycle of asynchronous batch jobs via HTTP APIs.
Marketing Calendar Generator
An AI-driven marketing strategist that automates the Hua Yu Hua methodology to generate high-scoring, culturally relevant campaign calendars.
Spotify Playlist Builder
An AI-driven automation tool for building, managing, and personalizing Spotify playlists via natural language requests.
Asset Allocation Advisor
A professional investment advisory skill for Openclaw Skills that leverages the CFA framework to provide tailored asset allocation and wealth management strategies.
Featured*
