On Friday, OpenAI launched a fresh set of personal finance tools in preview for ChatGPT Pro subscribers in the U.S., allowing them to connect accounts and ask questions ranging from spending analysis to future financial planning.
OpenAI has partnered with financial linking service Plaid to manage account linking. Users can connect with over 12,000 financial institutions, including Schwab, Fidelity, Chase, Robinhood, American Express and Capital One. Once users connect these accounts, they’ll see a dashboard showing their wallet performance, spending, subscriptions, and upcoming payments.
The fresh product comes just a month after OpenAI in April acquired the team behind personal finance startup Hiro, which is backed by companies including Ribbit, General Catalyst and Restive. OpenAI said Hiro’s team’s expertise in finance was useful in launching the product, but did not specify whether the entire feature was built by them.
OpenAI users can access the tool by selecting “Get Started” from the “Finance” option in the sidebar or by typing “@Finances, connect my accounts” in a ChatGPT conversation. Once users do this, the chatbot will instruct them on how to connect their accounts through Plaid. The company said it plans to support Intuit soon, which will enable analysis of, among others, the tax impact of selling shares or your chances of getting a credit card approved.
According to OpenAI, over 200 million users already ask ChatGPT financial questions every month. The company also noted that the fresh GPT-5.5 model better handles context, which is crucial when answering finance-related questions. The company said it worked with financial experts to create a benchmark for the model to improve personal finance issues.
With the fresh integration of financial tools, users can get detailed answers to questions such as: “I feel like I’ve been spending more lately. Has anything changed?” or “Help me develop a plan that will help me be ready to buy a home in my area in the next 5 years.”
Users can, if they wish, go to Settings > Apps > Finance and remove connections to specific accounts. Once the service is disconnected, your synchronized data will be deleted from ChatGPT within 30 days. Moreover, users can also view and delete financial memories on the Finance page.
Generalized chatbots are designed to answer everything, leading people to ask questions about data-sensitive topics such as health, finances and personal lives. AI companies realize this and produce specialized products for these sectors. Both OpenAI and Anthropic have launched health-related tools. Earlier this month, Perplexity launched its own version financial research product based on a computer agent.
OpenAI says its personal finance tools will be available on ChatGPT on the web and on iOS for Pro users. It noted that based on the feedback from these users, it wants to improve the product before making it available to Plus users.