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OpenAI has launched a personal finance preview in ChatGPT for Pro subscribers in the United States. The tool lets users connect bank, card, and investment accounts through Plaid and ask ChatGPT for answers based on their own financial data.
The feature marks a wider move by OpenAI into daily money management. It gives users a dashboard for spending, subscriptions, portfolio performance, and upcoming payments, while keeping account control outside ChatGPT.
OpenAI said the finance preview started on May 15, 2026, for ChatGPT Pro users in the US The company said users can open Finances from the ChatGPT sidebar and select ‘Get started.’ They can also type ‘@Finances, connect my accounts’ in a chat.
The account connection runs through Plaid, a financial data network that links apps to banks and other financial services. OpenAI said the integration supports more than 12,000 institutions, including Chase, Fidelity, Schwab, Robinhood, American Express, and Capital One.
Once accounts sync, ChatGPT can show a finance dashboard with spending activity, active subscriptions, upcoming payments, and portfolio data. Users can then ask questions about recent costs, monthly changes, or forgotten subscriptions.
OpenAI gave examples of possible prompts. A user may ask whether spending has changed, what a recent vacation cost, or how to prepare to buy a home within five years. The tool can also help compare bills across months and build savings plans.
OpenAI said ChatGPT can read balances, transactions, investment holdings, and liabilities such as mortgage or credit card debt. However, it cannot make account changes, move funds, or view full account numbers.
The company also said users can disconnect accounts from Settings, Apps, and Finances. After disconnection, OpenAI says it removes synced financial data from ChatGPT within 30 days. Users can also view and delete financial memories linked to goals or obligations.
OpenAI said users can choose whether finance chat data may train its models. The company also said it designed the product with privacy controls and secure account linking through Plaid.
However, some details remain unclear. OpenAI has not fully explained how it may use aggregated financial data beyond model training. It also has not detailed all extra protections against a data breach. The company wrote, “The vision for ChatGPT is … to help users take action towards improving their financial lives,” but users may still seek clearer answers on data handling.
OpenAI said Intuit support will come later. This connection could let ChatGPT answer questions about the tax effect of selling stock or the chance of credit card approval.
The company said more than 200 million people ask ChatGPT finance questions each month. It also said GPT-5.5 provides stronger context handling for finance tasks. OpenAI worked with finance experts to build a personal finance benchmark for answer quality.
The tool currently works on ChatGPT web and iOS for Pro users. OpenAI said it will use feedback from this preview before expanding access to Plus users. For now, the rollout remains limited to paid Pro accounts, which cost $200 per month, before any wider release in the future.
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