OpenAI is launching personal finance tools inside ChatGPT that allow users to connect their bank accounts and receive personalized financial guidance, with the feature available Friday in preview for Pro subscribers in the U.S.
Through a partnership with Plaid, ChatGPT can tap into connections at more than 12,000 institutions — among them Chase, Schwab, Fidelity, Robinhood, American Express, and Capital One. After linking, a dashboard surfaces across four categories — portfolio performance, spending activity, active subscriptions, and bills on the horizon, the company said.
ChatGPT’s access is read-only, meaning the chatbot can analyze balances, transactions, investments, and liabilities but cannot move money or take other actions on a user’s behalf, the company said. Full account numbers are not visible through the system.
Two entry points are available: the “Finances” section in the sidebar, where a “Get started” button begins the setup, or the prompt “@Finances, connect my accounts” typed directly into any conversation. From there, Plaid’s flow handles the actual account-linking process. Intuit integration is on the roadmap, which OpenAI says would unlock capabilities like estimating how a stock sale affects a user’s tax bill or evaluating the odds of being approved for a new credit card.
Sample prompts highlighted by OpenAI include “I feel like I’ve been spending more recently. Has anything changed?” and “Help me build a plan to be ready to buy a house in my area in the next 5 years.” OpenAI noted that more than 200 million users already ask financial questions on ChatGPT each month.
For those who want to pull out, the Settings > Apps > Finances menu is where account connections can be severed; any data that was pulled in gets purged within 30 days, and a dedicated section of the Finances page lets users review or erase what the chatbot has retained about their money. Existing model-training opt-outs carry over automatically — anyone who has already adjusted those settings will not see their financial conversations fed back into training data.
The launch follows OpenAI’s April pickup of the Hiro team — a consumer-facing AI finance startup whose backers included Ribbit, General Catalyst, and Restive, per TechCrunch. Credit for the product was left partially open: the company acknowledged Hiro’s financial expertise contributed to the work, while stopping short of saying the team was solely responsible for it. According to Engadget, work on the feature began before that acquisition.