OpenAI has launched a new personal finance feature for ChatGPT Pro users in the United States, allowing subscribers to connect bank accounts and other financial services directly to the AI platform for spending analysis, budgeting, and financial planning.
The feature, currently available in preview, lets users link accounts through a partnership with Plaid, which supports connections to more than 12,000 financial institutions, including JPMorgan Chase, Fidelity Investments, Robinhood, American Express, and Capital One.
Once connected, users can view portfolio performance, track subscriptions and upcoming bills, analyse spending habits, and ask finance-related questions directly within ChatGPT.
According to OpenAI, the new tools are designed to make financial planning more conversational and personalised. Users can ask questions such as why their spending increased recently or request assistance building savings plans for future goals like home ownership.
The launch follows OpenAI’s acquisition last month of the team behind personal finance startup Hiro, which was backed by firms including Ribbit Capital and General Catalyst. OpenAI said the team’s financial expertise contributed to the development of the new feature.
The company added that the finance tools are powered by its GPT-5.5 model, which it said offers improved contextual reasoning for financial conversations and analysis.
Users can access the feature by selecting the “Finances” option in ChatGPT or by typing prompts such as “@Finances, connect my accounts.” OpenAI also said users will be able to disconnect accounts at any time, with synced data deleted within 30 days after removal.
The finance tools are currently available on the web and iOS versions of ChatGPT for Pro subscribers in the U.S., with wider availability expected after further testing and feedback.
