OpenAI has launched a new set of personal finance tools in preview for ChatGPT Pro subscribers in the United States, allowing users to connect their financial accounts and ask ChatGPT questions about their spending, investments, subscriptions, upcoming payments, and long-term money plans.
The new feature is powered through a partnership with Plaid, a financial connection service that lets users securely link their accounts from more than 12,000 financial institutions. Supported institutions include Schwab, Fidelity, Chase, Robinhood, American Express, and Capital One. After connecting their accounts, users can view a dashboard showing portfolio performance, spending patterns, subscriptions, and future payments.
The launch comes about a month after OpenAI acquired the team behind Hiro, a personal finance startup backed by investors such as Ribbit, General Catalyst, and Restive. OpenAI said the Hiro team’s finance experience helped with the launch of the new product, though it did not say whether the entire feature was built by that team.
Users can start using the tool by selecting “Get started” under the “Finances” option in the ChatGPT sidebar, or by typing “@Finances, connect my accounts” inside a ChatGPT conversation. ChatGPT will then guide users through linking their accounts using Plaid. OpenAI also said it plans to add support for Intuit in the future, which could allow ChatGPT to help with more advanced questions, such as how selling a stock might affect taxes or the chances of getting approved for a credit card.
According to OpenAI, more than 200 million users ask ChatGPT financial questions every month. The company said its new GPT-5.5 model is better at reasoning with context, which is important for answering personal finance questions accurately. OpenAI also said it worked with finance experts to build a benchmark designed to improve the model’s performance on finance-related queries.
With the new integration, users can ask detailed questions such as whether their spending has changed recently or how they can build a plan to buy a house in their area within the next five years. Because the tool is connected to real account data, ChatGPT can provide more personalized answers based on a user’s own financial situation.
Users who want to remove account access can go to Settings, then Apps, and then Finances to disconnect specific services. OpenAI said that once a service is disconnected, synced financial data will be removed from ChatGPT within 30 days. Users will also be able to view and delete financial memories from the Finances page.
The move shows how AI companies are increasingly building specialized tools for sensitive areas such as finance, health, and personal data. General-purpose chatbots are already being used for these topics, but companies are now trying to create more focused products that can provide better answers while handling private information more carefully. OpenAI and Anthropic have already introduced health-focused tools, while Perplexity recently launched a financial research product powered by its Computer agent.
OpenAI said the personal finance tools are available on ChatGPT for web and iOS for Pro users in the U.S. The company plans to use feedback from Pro subscribers to improve the product before expanding it to Plus users.
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