OpenAI is expanding ChatGPT into personal finance with a new preview feature that allows users to connect their bank, card, loan, investment, and other financial accounts directly within ChatGPT. The rollout begins with ChatGPT Pro users in the U.S. on web and iOS, with plans to support Plus users later and a long-term goal of broader access. At launch, the feature supports over 12,000 financial institutions through Plaid, with Intuit support planned next.
The new Finances experience introduces a dedicated dashboard for portfolio performance, spending, subscriptions, upcoming payments, balances, liabilities, and other synced account data. Users can initiate this feature from the ChatGPT sidebar or by typing “@Finances, connect my accounts.” After authentication, ChatGPT syncs and categorizes the data, then uses it to answer questions about budgets, spending patterns, financial tradeoffs, savings goals, subscription cleanup, travel costs, investment risks, and major purchase planning.
A preview for Pro users: a new personal finance experience in ChatGPT.
— ChatGPT (@ChatGPTapp) May 15, 2026
Pro users in the U.S. can securely connect financial accounts, see where their money is going, and ask questions based on the information they choose to connect.
Your full financial picture, now in ChatGPT. pic.twitter.com/NjbJqOqFRi
This feature is not intended to replace a financial adviser. OpenAI emphasizes that the system is designed to help users understand their financial situation and plan accordingly, while professional financial advice remains outside ChatGPT’s scope. The core change is context: instead of providing generic budgeting tips, ChatGPT can analyze a user’s actual transactions, balances, investments, debts, goals, and financial memories.
The experience defaults to GPT-5.5 Thinking for conversations involving connected financial accounts. OpenAI reports that it evaluated the feature with over 50 finance professionals from leading institutions and developed an internal benchmark for complex personal finance tasks. GPT-5.5 Thinking scored 79 out of 100 on that benchmark, while GPT-5.5 Pro scored 82.5.
Privacy controls are a key aspect of the rollout. ChatGPT can access balances, transactions, investments, and liabilities, but OpenAI states it cannot view full account numbers or make changes to accounts. Users can disconnect accounts in Settings or from the Finances page, with synced account data being deleted from OpenAI systems within 30 days after disconnection. Temporary chats do not access connected financial accounts, and financial memories can be viewed or deleted from the Finances page.
OpenAI is an AI research and deployment company structured around the OpenAI Foundation and OpenAI Group, with ChatGPT as one of its core consumer products. This launch propels ChatGPT further into high-context personal assistance, where account connections, memory, reasoning models, and partner integrations are combined into a single workflow.
