OpenAI Launches ChatGPT for Personal Finance with Bank Account Linking
▼ Summary
– OpenAI launched personal finance tools for U.S. ChatGPT Pro subscribers, allowing users to connect accounts via Plaid for spending analysis and financial planning.
– The tool connects to over 12,000 financial institutions, including Schwab, Fidelity, and Chase, providing a dashboard for portfolio performance, spending, and subscriptions.
– OpenAI acquired the team behind personal finance startup Hiro in April, and their expertise contributed to the new product.
– Users can access the feature through the “Finances” option in the sidebar or by typing “@Finances, connect my accounts” in a ChatGPT conversation.
– The tool is available on web and iOS for Pro users, with plans to expand to Plus users after feedback, and includes options to disconnect accounts and delete synced data within 30 days.
Starting Friday, OpenAI rolled out a new personal finance tool for ChatGPT Pro subscribers in the U.S., allowing them to link their bank accounts and ask the chatbot everything from spending breakdowns to long-term financial strategies.
To enable secure account connections, OpenAI partnered with Plaid, a widely used financial data platform. Users can now link accounts from over 12,000 institutions, including major names like Schwab, Fidelity, Chase, Robinhood, American Express, and Capital One. Once connected, a dashboard displays portfolio performance, spending habits, active subscriptions, and upcoming bills.
This launch comes just a month after OpenAI acquired the team behind Hiro, a personal finance startup backed by Ribbit, General Catalyst, and Restive. While OpenAI credited the Hiro team’s financial expertise in shaping the product, it didn’t confirm whether the entire feature was built by them.
To access the tool, ChatGPT Pro users can click “Get started” under the “Finances” option in the sidebar, or type “@Finances, connect my accounts” directly in a conversation. The chatbot then walks them through linking accounts via Plaid. OpenAI also plans to add support for Intuit soon, which would enable deeper analysis, such as estimating the tax impact of a stock sale or the likelihood of credit card approval.
According to OpenAI, more than 200 million users already ask financial questions on ChatGPT each month. The company emphasized that the new GPT-5.5 model is better at reasoning with context, a critical capability for handling complex finance queries. It also worked with financial experts to create a benchmark for improving the model’s performance on personal finance topics.
With this integration, users can get detailed answers to questions like, “I feel like I’ve been spending more recently. Has anything changed?” or “Help me build a plan to be ready to buy a house in my area in the next 5 years.”
For those who want to disconnect a specific account, they can go to Settings > Apps > Finances and remove the link. Once disconnected, synced data is deleted from ChatGPT within 30 days. Users can also view and delete financial memories directly from the Finances page.
General-purpose chatbots are designed to answer almost anything, which naturally leads people to ask about sensitive topics like health, finance, and personal life. Recognizing this, AI companies are building specialized products for these high-stakes domains. Both OpenAI and Anthropic have introduced health-related tools, and earlier this month, Perplexity launched its own financial research product powered by its Computer agent.
OpenAI noted that the personal finance tools are available on ChatGPT for the web and iOS for Pro users. The company plans to refine the product based on feedback before expanding access to Plus subscribers.
(Source: TechCrunch)
