OpenAI
ChatGPT becomes your personal banker? OpenAI’s new finance tool will change your planning habits
OpenAI is positioning ChatGPT as an everyday problem-solving tool, with the platform now being expanded into a personal finance assistant for users.
The new feature will initially be available to Pro users in the United States.
“Now you can securely connect your financial accounts, see a dashboard of where your money is going, and ask ChatGPT questions grounded in your financial context – all while staying in control of your data,” the company said in a blog post.
OpenAI added that the preview has been rolled out to a limited group to gather real-world feedback, improve the experience, and gradually expand the service.
The AI company also claimed that more than 200 million people use ChatGPT every month for budgeting, investment-related queries, comparing financial options, and planning long-term goals.
“Recent advances in GPT-5.5 make ChatGPT stronger at reasoning through the complex, context-dependent questions that personal finance often requires,” OpenAI said.
It further stated: “With your financial accounts connected, ChatGPT can combine that reasoning with your real financial context and what you’ve shared about your goals, lifestyle, and priorities, helping you spot patterns, understand tradeoffs, and plan for big decisions in a more personal and complete way.”
Pro users in the US can now connect their financial accounts to ChatGPT on web and iOS, with support for more than 12,000 financial institutions.
How to get started
Users can begin by opening the “Finances” section in the ChatGPT sidebar and selecting “Get started,” or by starting a conversation and typing “@Finances, connect my accounts.”
ChatGPT then guides users through securely linking accounts via Plaid, with Intuit support expected soon. After authentication, the system syncs and categorises financial data, a process that may take a few minutes.
Once connected, users gain access to a dashboard offering an overview of portfolio performance, spending, subscriptions, upcoming payments, and other financial insights.
Data controls and privacy
According to OpenAI’s blog, users retain full control over their financial data:
Disconnecting accounts: Users can disconnect linked accounts at any time via Settings > Apps > Finances or through the Finances page. Synced data is deleted from OpenAI systems within 30 days, although chat history remains unaffected unless manually deleted.
Deleting financial memories: ChatGPT can store optional “financial memories” such as goals or financial context to personalise future conversations. These can be viewed or deleted at any time from the Finances page.
Temporary chats: When using temporary chat mode, ChatGPT does not access connected financial accounts, and such chats are not saved in history.
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