New Delhi: OpenAI has officially rolled out its latest personal finance feature inside its ChatGPT. Users can now connect their bank accounts, credit cards, and investment accounts directly to ChatGPT, and it will help users make sense of their money. Currently, it is only for Pro users in the US, the ones paying $200 a month. Plus users get it later, and OpenAI stated it will eventually open up to everyone.
Once users connect their account, ChatGPT will show them a dashboard of where their money is going: spending, investments, active subscriptions, and upcoming payments, all in one place. It also connects to more than 12,000 institutions via Plaid, including Chase, Schwab, Fidelity, Robinhood, Amex, and Capital One. Users can ask it the kind of questions users normally avoid.
The chat runs on GPT-5.5 Thinking by default, OpenAI’s latest reasoning model. Pro users also get GPT-5.5 Pro, which OpenAI stated handles more complex money questions better. To start, open Finances from the sidebar, or just type @Finances, connect my accounts in any chat.
ChatGPT can read their balances, transactions, investments, and liabilities. It cannot move money or see their full account numbers. If they change their mind, they can disconnect any account, and the synced data is wiped within 30 days.
Users can also delete financial memories context ChatGPT holds on to, like mortgage or money they owe their parents, so future answers feel more personal. Temporary chats don’t touch their accounts at all. This feature comes a month after OpenAI bought personal finance startup Hiro, whose team helped build this, though the company won’t say how much.
Intuit support is also coming next, which should bring tax estimates on stock sales and credit card approval odds inside ChatGPT.
