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

On Friday, OpenAI launched a new suite 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 partners with financial connection service Plaid to manage account connections. Users can connect to more than 12,000 financial institutions, including Schwab, Fidelity, Chase, Robinhood, American Express and Capital One. Once users connect these accounts, they will see a dashboard showing their portfolio performance, expenses, subscriptions, and upcoming payments.

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

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

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

With the new financial tools integration, users can get detailed answers to questions like “I feel like I’ve been spending more money lately. Has anything changed?” or “Help me make a plan so I can buy a house in my area in the next five years.”

Users can go to Settings > Apps > Finance to remove connections from certain accounts if they wish. Once they disconnect a service, the synced data will be deleted from ChatGPT within 30 days. Additionally, users can also view and delete financial reminders from the Finance page.

Generalized chatbots are designed to answer everything, leading people to ask questions about data-sensitive topics such as health, finances 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, Perplexity 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. It noted that based on the feedback from these users, it wants to improve the product before making it available to Plus users.