OpenAI Launches ChatGPT Personal Finance Tools Letting Pro Users Connect Bank Accounts

OpenAI launched personal finance tools for ChatGPT Pro subscribers on May 15, 2026, allowing users to connect their bank accounts and investment portfolios directly to the chatbot.

The feature lets users link accounts from more than 12,000 financial institutions through Plaid, including major banks and brokerages such as Chase, Fidelity, Schwab, and Robinhood. Once connected, users get a dashboard showing portfolio performance, spending patterns, active subscriptions, and upcoming payments.

Users can ask ChatGPT questions about their finances, such as where they are spending the most money, how their investments are performing, or what the tax implications of a stock sale might be. The system uses OpenAI's GPT-5.5 model, which the company says is designed for stronger reasoning with financial context.

OpenAI acquired the team behind personal finance startup Hiro in April 2026 to assist with the launch. The company plans to add support for Intuit soon, which would allow analysis of tax impacts and credit card approval odds.

The tools are currently available on the web and iOS for Pro subscribers in the United States. OpenAI said it plans to expand access to Plus subscribers based on user feedback.

The launch comes as more than 200 million users already ask financial questions to ChatGPT each month, according to the company. OpenAI said the new tools are designed to give those users more accurate and personalized answers by connecting to their actual financial data.

Privacy advocates have raised questions about the security of linking sensitive financial information to an AI system. OpenAI said it uses bank-level encryption and does not store raw account credentials.

The move puts OpenAI in competition with established personal finance apps such as Mint, YNAB, and Copilot, as well as financial planning tools offered by major brokerages.