Connect your checking, savings and credit cards in under a minute. Shkor Money sorts every transaction into needs, wants, savings, debt and fees, then shows the interest, fees and idle cash you can fix this month.
🔒 Read-only access via Plaid. We never see your bank login, can't move money, and never sell your data.
Three steps, about a minute. You stay in control the whole time.
Pick your bank in Plaid's secure window and sign in there. Plaid gives us read-only access — your credentials never touch our servers.
Up to 24 months of transactions are categorized into needs, wants, savings, debt payments and fees, with balances and card APRs.
Get plain-English insights ranked by dollars: expensive debt, avoidable fees, idle cash, forgotten subscriptions.
No budgeting spreadsheets, no manual tagging. Just the numbers that matter.
Every dollar sorted into needs, wants, savings, debt and fees — compared with the 50/30/20 guideline.
See what each credit card and loan costs per year in interest, and which one to pay down first.
Overdraft, ATM, maintenance and foreign-transaction fees, totaled per year so they're impossible to ignore.
We estimate how much cash sits above a 3-month safety buffer and what it could earn in a savings account.
Subscriptions and repeat bills detected automatically, with the monthly total.
Your debt-to-income, card utilization, cash buffer and savings rate — the factors lenders look at — in one grade.
We only ask for what we need to show you your own numbers. You can disconnect a bank or delete your account — and all data with it — in one click.
| Account names, types, balances | ✓ read-only |
| Transactions (up to 24 months) | ✓ read-only |
| Card & loan APR, minimum payment | ✓ read-only |
| Your bank username / password | ✕ never |
| Ability to move money | ✕ never |
Connect Claude, ChatGPT, Cursor or any MCP-compatible assistant to your Shkor Money data with one access token. Ask in plain English — your agent gets read-only tools built for optimizing spending, debt and mortgages.
In Claude.ai or ChatGPT just add a custom connector with https://money.shkor.com/mcp and approve access. Read-only: agents can't move money or change connections. Revoke anytime in Settings.
“I can put an extra $300 a month toward debt. What's the fastest way to be debt-free?”
plan_debt_payoff, find_savings_opportunitiesPay the 24.99% card first (avalanche). With +$300/mo you're debt-free in 32 months instead of 61, saving about $3,700 in interest. A 0% balance transfer would add another ~$1,100. You also have ~$5,500 above a 3-month cash buffer that could clear the card in month one.
claude mcp add --transport http shkor-money \ https://money.shkor.com/mcp \ --header "Authorization: Bearer smk_…"
Yes, during the beta it's free for individuals. If we add paid features later, we'll tell you in advance and the core picture stays free.
Through Plaid, which powers bank connections for thousands of financial apps. You log in to your bank inside Plaid's window; we receive read-only access to balances and transactions, never your credentials.
No. Our access is read-only. We can't make payments, transfers or open accounts.
No. Shkor Money provides automated, informational insights based on your own data. It isn't investment, tax, legal or credit advice. For decisions that matter, talk to a licensed professional.
Yes. In Settings → AI agents, create an access token and add Shkor Money as an MCP server in Claude, Cursor or another MCP client. The agent gets read-only access to your summary, transactions, debts and calculators. You can revoke the token at any time.
In the app, open Settings → "Delete account". We revoke the bank connection with Plaid and delete your accounts, transactions and profile from our database.
Shkor Money is operated by Shkor Labs LLC, a Wyoming limited liability company.
Connect an account and see your first insights right away.
Get started — it's free