# Financial Coach

Manage your personal finances by tracking spending, upcoming bills, and cash flow forecasts. Discover savings opportunities through subscription analysis and receive personalized tips based on your h…

## Quick Start

```bash
# Connect this server (installs CLI if needed)
npx -y @smithery/cli@latest mcp add shelter-money/financial-coach

# Browse available tools
npx -y @smithery/cli@latest tool list shelter-money/financial-coach

# Get full schema for a tool
npx -y @smithery/cli@latest tool get shelter-money/financial-coach shelter_status

# Call a tool
npx -y @smithery/cli@latest tool call shelter-money/financial-coach shelter_status '{}'
```

## Direct MCP Connection

Endpoint: `https://financial-coach--shelter-money.run.tools`

**Optional config:**
- `SHELTER_API_KEY` (query) — Shelter API key for real financial data. Leave empty for demo mode.

## Tools (10)

- `shelter_status` — Get a snapshot of your financial status — safe-to-spend, balances, upcoming bills, health score.
- `shelter_runway` — How many days until you run out of money — daily budget, next payday, safe-to-spend.
- `shelter_forecast` — Projected cash flow over the next few weeks — upcoming bills, paydays, and balance trajectory.
- `shelter_alerts` — Get active financial alerts — unusual spending, upcoming bills, low balance warnings.
- `shelter_opportunities` — Find savings opportunities — unused subscriptions, negotiable bills, spending patterns to optimize.
- `shelter_context` — Get a natural-language summary of the user's financial situation for use as conversation context.
- `shelter_affordability` — Check if you can afford a specific purchase — impact on safe-to-spend, recommendation.
- `shelter_coach_daily` — Get today's personalized financial coaching tip based on your recent spending.
- `shelter_coach_advice` — Get targeted financial advice on a specific topic — debt, savings, bills, subscriptions, or negotiation.
- `shelter_ask` — Ask Guardian AI any question about your finances — spending, bills, trends, or advice.

```bash
# Get full input/output schema for a tool
npx -y @smithery/cli@latest tool get shelter-money/financial-coach <tool-name>
```

## Prompts (3)

- `financial-checkup` — Step-by-step financial checkup — review status, alerts, forecast, and opportunities.
- `spending-review` (focus) — Guide for finding savings opportunities in your spending.
- `plan-a-purchase` (item, amount) — Evaluate whether you can afford a purchase and understand the financial impact.