ChatGPT Launches Personal Finance Feature: Connect Your Bank for AI-Powered Money Insights

Overview

OpenAI has launched a personal finance preview for ChatGPT Pro users in the United States, powered by Plaid's bank connectivity platform. Users can link their financial accounts and receive AI-driven insights based on real transaction data — moving beyond generic budgeting advice to personalized financial guidance.

Key Features

Once accounts are connected, ChatGPT provides a dashboard showing spending patterns, portfolio performance, active subscriptions, and upcoming payments. Access the feature via the Finances option in the sidebar or by typing the @Finances command in a chat window. The integration is available on iOS and the web, with Plaid connecting to over 12,000 financial institutions including Chase, Schwab, Fidelity, Robinhood, American Express, and Capital One.

Availability

The feature is currently in limited preview for ChatGPT Pro subscribers ($100/month) in the US. Support for ChatGPT Plus users will follow after OpenAI incorporates initial feedback. Intuit integration is also coming soon, which will unlock capabilities like tax-impact analysis and personalized credit card recommendations. OpenAI acquired the team behind personal finance startup Hiro in April 2026 as part of its push into the financial services space.

Industry Reaction

The announcement immediately sparked discussion about disruption to personal finance startups. With GPT-5.5 grounding responses in real transaction data, analysts see this as a meaningful differentiation from existing apps like Mint and YNAB. OpenAI noted that 64% of consumers who have used AI for finances report improved ability to evaluate financial products.