ChatGPT now reads your spending and gives financial advice

OpenAI rolled out personal finance tools inside ChatGPT on Friday. Pro subscribers in the U.S. can now link bank and investment accounts through Plaid and ask the chatbot to break down spending, flag subscriptions, or map out financial goals.

The integration hooks into 12,000+ financial institutions. Schwab, Fidelity, Chase, Robinhood, Amex, and Capital One all work.

After connecting any financial account, the user will see a dashboard showing how their portfolio is performing, where their money is going, which subscriptions are active, and what payments are coming up.

OpenAI says more than 200 million people already bring financial questions to ChatGPT each month.  The new tooling turns those generic queries into personalized answers pulled from your actual account data.

Plaid connects users’ accounts to ChatGPT

To start using the tool, the user should click on “Get started” in the Finances option on ChatGPT’s sidebar. Another option is to type “@Finances, connect my accounts” in a conversation.

The chatbot then walks the user through Plaid’s authentication flow from there. Plaid handles the actual connection between ChatGPT and the user’s bank or financial accounts.

After a user’s accounts are linked, they can ask ChatGPT, for example, about subscriptions they may have forgotten about, or compare this month’s grocery bill to last month’s.

They can even ask ChatGPT to suggest ways to cut back on expenses, estimate how long it would take to pay off a credit card, or help them figure out how much to save each month to reach a goal.

OpenAI also plans to add Intuit support, which would let the chatbot estimate the tax impact of a stock sale.

OpenAI said its GPT-5.5 model brings stronger contextual reasoning to finance queries. The company worked with finance experts to build a benchmark specifically for personal finance question quality.

Will OpenAI access account numbers or move users’ money?

ChatGPT cannot make changes to linked accounts or see full account numbers. It can view balances, transactions, investment holdings, and liabilities, including mortgage and credit card debt.

Users can disconnect accounts anytime. Once disconnected, OpenAI will delete synced data within 30 days. The user can also view and delete individual “financial memories,” which are goals or obligations the chatbot has stored.

Users can toggle whether their financial conversation data gets used to train OpenAI’s models. The company didn’t specify what it might do with aggregated financial data beyond model training, or what additional protections exist against a potential data breach.

The feature is live on ChatGPT’s web and iOS apps for Pro subscribers, who pay $200 a month. OpenAI plans to gather feedback from this group before expanding access to Plus tier users. The company’s eventual goal is to make the tools available to all users.

Last week, OpenAI released three real-time voice models accessible through its API. According to a Cryptopolitan report, the voice models support +70 input languages and live transcription.

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