OpenAI launches personal finance tools for ChatGPT Pro users with direct bank account links
Users get a live dashboard showing portfolio performance, spending habits, current subscriptions and upcoming payments within ChatGPT
More than 200 million people turn to ChatGPT each month with questions about money. As of today, those users can move beyond generic responses.
OpenAI has launched a suite of personal finance tools for ChatGPT Pro subscribers in the United States, enabling them to link their bank accounts, investment portfolios, and credit cards directly to the chatbot.
Plaid integration and supported institutions
The feature is powered by Plaid and provides connectivity to more than 12,000 financial institutions, including Chase, Fidelity, Schwab, Robinhood, American Express, and Capital One.
Once accounts are connected, users gain access to a live dashboard within ChatGPT that displays real-time information on portfolio performance, spending patterns, active subscriptions, and forthcoming payments.
From generic to contextual financial queries
The tools represent a significant shift in how users can interact with ChatGPT on financial matters. Rather than posing broad questions such as "Do you think I've spent more lately?" or "Can you help me make a plan for buying a home in my area within the next five years?", users are now able to put contextually informed, data-driven questions directly to the chatbot.
How to access the feature
Users can access the tool either through the "Finances" sidebar option within ChatGPT or by typing "@Finances, connect my accounts" into a conversation. Plaid then guides the account connection process. Data is synchronised securely, and users retain complete control over their information at all times.
Accounts can be disconnected at any point via Settings > Apps > Finances, after which synced data is deleted within 30 days. Users may also manually remove individual financial memories.
The Hiro acquisition and reasoning model
OpenAI acquired the team behind personal finance start-up Hiro in April and has credited their expertise as a key influence on the design and launch of the new tools. The company also notes that its latest reasoning model is particularly well-suited to the complex, context-dependent logic that financial questions typically require.
What's coming next
OpenAI has indicated that Intuit support is on its way, which will unlock additional capabilities, including tax-impact analysis and credit approval prediction — features that depend on access to deeper layers of financial context.
