OpenAI launches ChatGPT for personal finance, and will let you link bank accounts

OpenAI on Friday launched a new set of personal finance tools in preview for ChatGPT Pro subscribers in the US, allowing them to connect their accounts and ask questions ranging from spending analysis to future financial planning.

OpenAI has partnered with financial communication service Plaid to manage account communications. Users can connect to more than 12,000 financial institutions, including Schwab, Fidelity, Chase, Robinhood, American Express, and Capital One. Once users link these accounts, they will see a dashboard of their wallet’s performance, spending, subscriptions, and upcoming payments.

The new product comes just one month after OpenAI acquired the team behind personal finance startup Hiro, which was backed by companies like Ribbit, General Catalyst and Restive, in April. OpenAI said the Hiro team’s experience in finance was helpful in launching this product, but did not specify whether the entire feature was created by them.

OpenAI users can access the tool by selecting “Get Started” in the “Finances” option in the sidebar, or typing “@Finances, link my accounts” in a ChatGPT conversation. Once users do this, the chatbot will guide them on linking accounts through Plaid. The company said it plans to support Intuit soon, which will enable analyzes such as the impact of a stock sale on taxes or credit card approval odds.

According to OpenAI, more than 200 million users already ask financial questions on ChatGPT every month. The company also noted that the new GPT-5.5 model is stronger at thinking with context, which is crucial to answering questions about finance. The company said it worked with financial experts to create a model standard to improve personal finance issues.

Through the integration of the new financial tool, users can get detailed answers to questions like “I feel like I’ve been spending lately. Has anything changed?” Or “Help me make a plan to be ready to buy a home in my area within the next five years.”

Users can go to Settings > Apps > Finance To remove connections to certain accounts if they want to. Once the service is disconnected, synchronized data will be removed from ChatGPT within 30 days. Moreover, users can also view and delete financial memories from the Finance page.

Universal chatbots are designed to answer anything, prompting people to ask questions about data-sensitive topics like health, finance, and personal life. AI companies realize this and create specialized products for these sectors. Both OpenAI and Anthropic have launched health-related tools. Earlier this month, Perplxity launched its own financial research product based on its computer agent.

OpenAI said its personal finance tools will be available on ChatGPT on the web and on iOS for Pro users. She indicated that, based on the feedback from these users, she would like to improve the product before making it available to Plus users.