OpenAI has rolled out a new personal finance feature inside ChatGPT. In short, you can now connect your bank accounts, credit cards and investment accounts directly to ChatGPT, and it’ll help you make sense of your money. For now, it’s only for Pro users in the US, the ones paying $200 a month. Plus users get it later, and OpenAI says it’ll eventually open up to everyone.
How it works, and what you can actually ask it
Once you connect an account, ChatGPT shows you a dashboard of where your money is going—spending, investments, active subscriptions and upcoming payments, all in one place. It connects to more than 12,000 institutions through Plaid, including Chase, Schwab, Fidelity, Robinhood, Amex and Capital One.From there, you can ask it the kind of questions you’d normally avoid: am I spending more than usual, can I afford a house in five years, which subscriptions am I still paying for and forgot about. The chats run on GPT-5.5 Thinking by default, OpenAI’s newer reasoning model. Pro users also get GPT-5.5 Pro, which OpenAI says handles more complex money questions better. To start, open Finances from the sidebar, or just type “@Finances, connect my accounts” in any chat.
What it can see, what it can’t, and how to pull the plug
ChatGPT can read your balances, transactions, investments and liabilities. It cannot move money or see your full account numbers. If you change your mind, you can disconnect any account, and the synced data is wiped within 30 days. You can also delete “financial memories”—context ChatGPT holds on to, like a mortgage or money you owe your parents, so future answers feel more personal. Temporary chats don’t touch your accounts at all.The feature comes a month after OpenAI bought personal finance startup Hiro, whose team helped build this, though the company won’t say how much. Intuit support is coming next, which should bring tax estimates on stock sales and credit card approval odds inside ChatGPT.