OpenAI has unveiled a new personal finance feature for ChatGPT, allowing users to connect their bank accounts and manage financial activities directly through the AI chatbot. Currently available in preview mode for ChatGPT Pro users in the United States, the feature represents another major step in transforming AI into a practical everyday assistant.
To make the process secure and reliable, OpenAI partnered with Plaid, a leading financial connection platform. Through Plaid’s network, users can link accounts from more than 12,000 financial institutions, including major services like Chase, Fidelity Investments, Robinhood, and Capital One.
After connecting their accounts, users gain access to a built-in financial dashboard inside ChatGPT. The dashboard provides insights into spending habits, active subscriptions, investment portfolio performance, recurring bills, and upcoming payments. Instead of relying on complex finance apps or spreadsheets, users can now interact with their financial information through simple conversations.
The new system allows people to ask questions naturally, such as why expenses increased during a specific month or how much they need to save for a future goal like buying a home. ChatGPT analyzes the connected financial data and delivers personalized insights, budgeting suggestions, and financial planning guidance in real time.
The launch follows OpenAI’s recent acquisition of the team behind Hiro, a startup focused on personal finance technology. While OpenAI has not confirmed whether Hiro developed the complete finance feature, the company acknowledged that the team’s experience contributed to improving the overall product.
Users can access the feature through the “Finances” section inside ChatGPT or by typing commands such as “@Finances, connect my accounts.” The chatbot then walks users through a guided setup process for securely linking financial accounts.
OpenAI also revealed future plans to integrate support for Intuit. This integration could unlock more advanced financial capabilities, including tax-related estimations, investment analysis, and credit approval predictions.
According to OpenAI, more than 200 million users already use ChatGPT each month for finance-related questions. The company stated that its latest GPT-5.5 model has improved contextual understanding and is better equipped to handle complex financial conversations. OpenAI also collaborated with financial professionals to improve the accuracy and reliability of money-management advice.
Privacy and user control remain a key focus of the new finance tools. Users can disconnect linked accounts whenever they choose through the settings menu. OpenAI confirmed that disconnected financial data will be permanently removed from ChatGPT within 30 days. Users can also review and delete saved financial memories created during chatbot interactions.
The launch highlights a growing trend in the AI industry, where companies are expanding artificial intelligence into sensitive areas such as finance and healthcare. By combining conversational AI with personal financial data, OpenAI aims to create a smarter, more accessible, and interactive way for people to manage money, track spending, and plan for the future.
FAQS
What is the new ChatGPT finance feature?
The new feature allows users to connect their bank accounts to ChatGPT and manage finances through an AI-powered dashboard and conversational assistance.
Who can currently use the finance tools?
The feature is currently available in preview mode for ChatGPT Pro users in the United States.
Which financial institutions are supported?
Through Plaid, users can connect accounts from more than 12,000 institutions, including Chase, Fidelity, Robinhood, and Capital One.
What can users do with the finance dashboard?
Users can monitor spending, track subscriptions, review investments, view upcoming payments, and receive personalized financial insights.
Is it safe to connect bank accounts to ChatGPT?
OpenAI partnered with Plaid to provide secure account connections and stated that users can disconnect accounts anytime.
Can users delete their financial data?
Yes, users can remove linked accounts and delete financial memories. OpenAI says disconnected financial data will be deleted within 30 days.
Will ChatGPT support tax and investment analysis?
OpenAI plans to add support for Intuit in the future, which may enable advanced features like tax estimations and investment-related analysis.
Why is OpenAI expanding into finance tools?
OpenAI aims to make AI more useful in daily life by helping users manage money, understand spending habits, and improve financial planning through conversational technology.
Conclusion
OpenAI’s new ChatGPT finance tools mark a significant advancement in the way people interact with personal financial information. By allowing users to connect bank accounts directly to ChatGPT, the company is simplifying budgeting, expense tracking, and financial planning through natural conversation. The integration with Plaid and the focus on privacy controls also show OpenAI’s effort to make the feature both secure and user-friendly. As AI continues to evolve, tools like these could change how individuals manage their daily finances, making financial guidance more accessible and personalized than ever before.