OpenAI launched preview personal finance tools for ChatGPT Pro users in the U.S., including bank account connections through Plaid. The company said users can see spending, subscriptions, portfolio performance, and upcoming payments, and it plans to expand support to Intuit later.
OpenAI on Friday launched a preview of personal finance tools for ChatGPT Pro subscribers in the U.S., letting users connect bank and investment accounts and ask questions about spending, planning, and cash flow.
The company said it partnered with Plaid, the financial connection service, to handle the account links. Through that system, users can connect accounts at more than 12,000 institutions, including Schwab, Fidelity, Chase, Robinhood, American Express, and Capital One.
This news matters because ChatGPT is moving beyond general Q&A and into personal financial data. Plaid is the service that connects apps to bank and brokerage accounts, so the chatbot can pull in account information and summarize it for users.
For non-experts, the big change is that an AI assistant is now being used to organize money data, not just answer questions about it. That raises both convenience and privacy questions, since finance data is sensitive.
If you are building self-hosted agents, treat finance workflows as a special trust zone, not a normal chatbot task. Keep account-linking, data retrieval, and answer generation in separate components, and make sure the agent can only see the minimum data needed for the request.
Add clear account-disconnect and data-deletion flows from day one, including a timed purge for synced records after revocation. If you use third-party financial connectors like Plaid or Intuit, log every access event and keep user-visible controls for memories, exports, and deletions separate from the chat UI.
Once connected, ChatGPT will show a dashboard with portfolio performance, spending, subscriptions, and upcoming payments. Users can then ask questions such as whether their spending has changed recently or how to prepare to buy a house in five years, according to OpenAI.
The new feature arrives about a month after OpenAI acquired the team behind Hiro, a personal finance startup that had backing from Ribbit, General Catalyst, and Restive. OpenAI said the Hiro team’s finance experience was useful in building the product, but it did not say whether the feature was developed entirely by that team.
Users can access the tool by choosing “Get started” under the “Finances” option in the sidebar, or by typing “@Finances, connect my accounts” in a ChatGPT conversation. After that, ChatGPT walks them through linking accounts via Plaid.
OpenAI said the feature is currently available on the web and on iOS for Pro users. The company also said it plans to support Intuit soon, which would allow questions about topics such as the tax impact of a stock sale or the chances of credit card approval.
According to OpenAI, more than 200 million users already ask financial questions to ChatGPT every month. The company said the new GPT-5.5 model is better at reasoning with context, which it described as important for finance-related questions.
OpenAI said it worked with finance experts to build a benchmark for the model so it could improve on personal finance tasks. That benchmark was used to test the system on questions that involve financial context, rather than simple one-off answers.
The company said users can remove account connections in Settings > Apps > Finances. When a service is disconnected, the synced data will be removed from ChatGPT within 30 days.
Users can also view and delete financial memories from the Finances page. That gives them a way to manage what ChatGPT remembers about their financial information inside the new product.
The move reflects a broader shift among AI companies toward specialized tools for sensitive topics such as health and finance. OpenAI and Anthropic have both released health-related tools, while Perplexity launched a financial research product earlier this month based on its Computer agent.
OpenAI said the personal finance tools are meant to be a preview for Pro users first, and that it wants feedback from that group before deciding whether to bring them to Plus users.
