What if ChatGPT could manage your money too?
OpenAI has rolled out a fresh suite of personal finance tools for ChatGPT, enabling users to link their bank accounts and ask the AI assistant questions about their spending habits, investments, subscriptions, and future financial strategies.
OpenAI is taking a major step into personal finance with a new ChatGPT feature that allows users to connect their bank accounts and receive AI-driven financial insights.
Currently available in preview for ChatGPT Pro users in the US, the rollout marks the company’s biggest push yet into consumer financial services.
To power the feature, OpenAI has partnered with Plaid, enabling secure connections to more than 12,000 financial institutions. Supported platforms include Chase, Fidelity, Charles Schwab, Robinhood, American Express, and Capital One, giving users a centralized way to track spending, investments, and financial goals directly through ChatGPT.
OpenAI states that this feature is powered by its latest GPT-5.5 model, which has been enhanced for improved contextual reasoning and financial analysis.
The company also mentioned it collaborated with finance experts to train and evaluate the system for personal finance-related queries.
AI-Powered Money Insights
After linking their accounts, users can access a personalized ChatGPT dashboard that highlights portfolio performance, spending patterns, recurring subscriptions, and upcoming bills in one place.
The feature is designed to give users a clearer picture of their financial health without switching between multiple banking apps.
ChatGPT also allows users to ask financial questions in natural language, making money management more conversational and intuitive.
Users can ask things like, “Have my expenses increased recently?” or “Can I afford to buy a house in five years?” and receive AI-generated insights based on their financial data.
With this rollout, OpenAI is positioning ChatGPT as more than just an AI chatbot — transforming it into a smart personal finance assistant capable of helping users track, analyze, and plan their financial future in real time.
This launch comes just a month after OpenAI acquired the team behind the personal finance startup Hiro, signaling the company’s growing ambitions in the fintech sector.
While OpenAI has not confirmed whether Hiro directly developed the new tools, the company said the team’s expertise played a key role in the product’s development.
How To Access The New Finance Tools
Users can find the finance tools in a new “Finances” section within ChatGPT or by entering commands like “@Finances, connect my accounts.” The chatbot then assists users in linking their accounts through Plaid.
OpenAI mentioned that the system is built with privacy features in mind. Users have the option to disconnect their accounts anytime via the settings menu, and any synced financial data will be removed from ChatGPT within 30 days of disconnection.
Additionally, users can check and erase financial “memories” that the assistant has stored.
The company reports that over 200 million users are already asking ChatGPT finance-related questions each month, which shows a rising interest in AI-driven financial advice.
Early Access For Pro Users Only
Currently, the finance tools are exclusive to ChatGPT Pro users on the web and iOS, but OpenAI plans to expand access after collecting feedback from early users.
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