OpenAI Launches Personal Finance Experience in ChatGPT for Pro Users in the US

OpenAI has introduced a preview of a personal finance feature in ChatGPT for Pro users in the United States. The new functionality enables users to connect their financial accounts, view a dashboard displaying balances and spending, and ask questions about their finances based on their actual account data. The rollout is initially limited to a small group of users on web and iOS, with plans to expand to ChatGPT Plus and eventually all users.

With this feature, ChatGPT can access balances, transactions, investments, and liabilities through linked accounts. However, it cannot see full account numbers or make changes to the accounts. Connections are established via Plaid, with support from Intuit expected soon. At launch, more than 12,000 financial institutions are supported.

How to Connect Your Financial Accounts Inside ChatGPT

To start using the feature, users can either open the Finances tab from the ChatGPT sidebar and click Get started or type "@Finances, connect my accounts" in any conversation.

ChatGPT then guides users through linking their accounts via Plaid. Once authenticated, the synced and categorized data appears in a dashboard that provides an overview of portfolio performance, spending categories, subscriptions, and upcoming payments. The initial sync process may take a few minutes.

Users also have the option to add Financial memories, which save context such as a savings goal, a mortgage, an outstanding loan, or a planned major purchase. ChatGPT uses these memories to improve the relevance of future finance-related conversations.

What ChatGPT’s Personal Finance Dashboard Can Do With Your Data

The feature defaults to GPT-5.5 Thinking for finance conversations, while GPT-5.5 Pro is available to ChatGPT Pro users for more accurate responses. OpenAI's internal benchmark scores GPT-5.5 Pro at 82.5 out of 100 on a personal finance test, with GPT-5.5 Thinking scoring 79. Outdated models scored lower, with GPT-5.4 Thinking at 76.6 and GPT-5.5 Instant at 65.1.

The benchmark was developed in collaboration with over 50 finance professionals to assess response quality across complex personal finance tasks. OpenAI emphasizes that the experience is meant to inform and not replace professional financial advice.

Privacy Controls and Action-Oriented Features Through Ecosystem Partners

Conversations with connected accounts follow the user's training settings, which can be adjusted via Settings and Data controls.

Users have the option to disconnect financial accounts at any time through Settings, Apps, Finances, or directly from the Finances page. Any synced data is removed from OpenAI’s systems within 30 days. Users can also delete individual financial memories at any time from the Finances page. Temporary chats are available that do not access connected financial account data and do not appear in conversation history.

OpenAI recommends enabling multi-factor authentication on the ChatGPT account to provide extra protection.

OpenAI is expanding the capabilities of its finance feature beyond simple Q&A. Through partnerships with companies like Intuit, the company is developing use cases such as providing a credit card recommendation followed by an estimate of approval odds and an application process, or helping with tax estimates and scheduling a session with a local tax expert directly within ChatGPT.

The personal finance feature is now available to ChatGPT Pro users in the United States on web and iOS. OpenAI plans to roll it out to Plus subscribers next, with the ultimate goal of making it widely available. No specific timeline has been announced for a broader rollout or for availability outside the United States.

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