OpenAI has decided that ChatGPT should not just answer your questions—it should also help you figure out where all your money went. The company launched a new personal finance feature this week that lets ChatGPT Pro users in the U.S. connect their bank accounts, credit cards, and investment portfolios directly to the chatbot.
The rollout, announced on May 15, targets ChatGPT Pro subscribers on web and iOS. The idea is simple: give ChatGPT a window into your financial life, and it will help you track spending, monitor investments, and even plan for big purchases. OpenAI says it will expand access gradually after seeing how early users react.
How It Works
The finance dashboard connects to more than 12,000 financial institutions through Plaid, with Intuit integration coming later. Once linked, users see a centralized view of balances, portfolio activity, recurring payments, and spending categories—all updated in real time. You can also manually add details like savings targets or personal loans to give ChatGPT more context.
OpenAI is clear that this is not a robo-advisor. The company emphasized that ChatGPT does not replace licensed financial advisors. But it can answer questions about budgeting, investment decisions, debt planning, and large purchases, using your actual financial data to generate responses.
GPT-5.5 Does the Heavy Lifting
Conversations involving connected accounts default to GPT-5.5 Thinking, which OpenAI says handles complex financial reasoning better than earlier models. The company built an internal benchmark to evaluate response quality and had more than 50 finance professionals help assess the experience. So yes, they tested it on actual humans who know what they're talking about.
Privacy First
OpenAI is well aware that giving an AI access to your bank account is a sensitive proposition. The company stressed that ChatGPT cannot see full account numbers or initiate transactions. Users can disconnect accounts at any time through settings, and OpenAI says it deletes synced financial data within 30 days after disconnection.
The company also introduced "financial memories," which store user-shared goals and obligations. You can remove those manually from the Finances section. Temporary chats won't access connected accounts or save finance-related conversations. OpenAI also recommends enabling multi-factor authentication for extra protection.
What's Next
OpenAI wants ChatGPT to move beyond answers into actions. The company hinted at future partnerships involving credit approvals, tax estimates, and expert consultations. Intuit Inc. (INTU) will support several of those workflows inside ChatGPT. So if you've ever wanted to ask an AI about your taxes while it peers into your bank account, that day is coming.
