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OpenAI is launching a personal finance experience in ChatGPT, giving Pro users in the US the ability to connect financial accounts, view a dashboard of their money, and ask questions grounded in their financial context.
The preview is rolling out first to a smaller group of Pro users on web and iOS. OpenAI said the phased launch will help the company learn from early usage before expanding the feature to Plus users and eventually making it available more broadly.
The new experience lets users connect accounts from more than 12,000 financial institutions. Users can start from the Finances section in ChatGPT or begin a conversation by asking to connect their accounts. ChatGPT then guides them through linking accounts through Plaid, with support for Intuit coming soon.
Once accounts are connected, ChatGPT can sync and categorize financial data, then generate a dashboard showing portfolio performance, spending, subscriptions, upcoming payments, and other financial activity. Users can also add broader context, such as savings goals, mortgage details, planned purchases, or personal obligations, through dedicated financial memories.
OpenAI said the feature is designed to move ChatGPT from general financial answers toward more personalized planning. With connected accounts, ChatGPT can help users spot spending patterns, understand tradeoffs, and plan for goals such as buying a home, saving more, or evaluating financial decisions based on their actual balances, transactions, investments, liabilities, and priorities.
The company also emphasized that ChatGPT is not a replacement for professional financial advice. The feature can access balances, transactions, investments, and liabilities when accounts are connected, but it cannot see full account numbers or make changes to accounts.
Users can disconnect accounts at any time through Settings or the Finances page. OpenAI said synced account data will be deleted from its systems within 30 days after disconnection, though related information in conversation history remains unless users delete those chats. Temporary chats will not access connected financial accounts.
The personal finance experience defaults to GPT 5.5 Thinking, OpenAI’s latest reasoning model in ChatGPT. The company said it worked with more than 50 finance professionals to evaluate the experience on complex personal finance tasks, with GPT 5.5 Thinking scoring 79 out of 100 on its internal personal finance benchmark and GPT 5.5 Pro scoring 82.5.
OpenAI said it is also working with ecosystem partners like Intuit to help users take action inside ChatGPT. Potential use cases include going from a credit card recommendation to understanding approval odds and submitting an application, or from asking about tax implications to getting an estimate and scheduling time with a local tax expert.
Disclosure: This article was edited by Estefano Gomez. For more information on how we create and review content, see our Editorial Policy.
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