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Finance & Wealth
May 16, 202613 views2 min read

OpenAI Launches ChatGPT Personal Finance Tool, Lets Users Connect Bank Accounts

OpenAI launched a personal finance feature for ChatGPT Pro subscribers in the United States on May 15, 2026. The tool allows users to connect their financial accounts through a partnership with Plaid, which links to more than 12,000 financial institutions. Users can ask ChatGPT questions about their spending, investments, and financial goals.

OpenAI Launches ChatGPT Personal Finance Tool, Lets Users Connect Bank Accounts
Source:TechCrunch

OpenAI launched a personal finance feature for ChatGPT Pro subscribers in the United States on May 15, 2026. The tool allows users to connect their bank accounts, investment accounts, and credit cards to get personalized financial advice.

The feature was built through a partnership with Plaid, a financial data company that connects to more than 12,000 financial institutions, including Schwab, Fidelity, Chase, Robinhood, American Express, and Capital One.

Once connected, users can view a dashboard showing portfolio performance, spending patterns, subscriptions, and upcoming payments. They can ask ChatGPT questions like "Help me build a plan to buy a house in the next five years" or "What is the biggest risk in my portfolio?"

OpenAI said the tool uses its GPT-5.5 model, which has enhanced reasoning capabilities suited for financial analysis. The company plans to integrate Intuit soon, which would allow analyses like the tax impact of stock sales or credit card approval odds.

TechCrunch reported that OpenAI's acquisition of the Hiro personal finance startup team in April contributed to the product's development.

The tool cannot see full account numbers or make changes to accounts. Users can remove account connections and delete financial memories at any time.

The feature is currently available on ChatGPT for the web and iOS for Pro subscribers. OpenAI plans to extend access to Plus users after gathering feedback.

Privacy experts noted that while the tool makes financial advice more accessible, connecting bank accounts to an AI platform carries risks. Users are advised to review OpenAI's data policies before linking financial accounts.

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