OpenAI is releasing a preview of a new personal finance experience in ChatGPT, initially available to Pro users in the U.S. Users can securely connect their financial accounts, view a dashboard showing where their money is going, and ask ChatGPT questions grounded in their financial context - all while maintaining control over their data. The rollout begins with a smaller group so OpenAI can learn from real-world usage, refine the experience, and expand gradually.
Money affects nearly every aspect of life - from housing decisions to caring for loved ones to planning for the future. Yet managing finances today typically means juggling multiple accounts, apps, cards, loans, and spreadsheets just to get a clear picture. Even then, it can be difficult to understand the full situation or determine the best next steps.
People already rely on ChatGPT for financial guidance: over 200 million users visit ChatGPT monthly for budgeting help, investment questions, comparing options, goal planning, and more. Recent improvements in GPT-5.5 make ChatGPT better at reasoning through the complex, context-dependent questions that personal finance often involves.
With financial accounts connected, ChatGPT can combine its reasoning abilities with a user's actual financial data and what they've shared about their goals, lifestyle, and priorities. This helps users identify patterns, understand tradeoffs, and plan for major decisions in a way that feels more personalized and comprehensive. Users can ask questions related to goal planning, travel spend analysis, spending insights, scenario planning, investment risks, and subscription reviews.
ChatGPT can help users stay informed and feel more confident managing their finances, but it is not a replacement for professional financial advice.
The feature is rolling out to Pro users in the U.S. who can connect their financial accounts in ChatGPT on web and iOS, with support for more than 12,000 financial institutions. OpenAI plans to learn and improve from early usage before expanding to Plus subscribers, with the goal of eventually making it available to everyone.
How to Get Started
Connect Your Financial Information
To begin, users open Finances from the sidebar in ChatGPT and select "Get started," or initiate a conversation from anywhere in ChatGPT by saying "@Finances, connect my accounts."
ChatGPT then guides users through securely linking accounts via Plaid, with Intuit support coming soon. After authentication, ChatGPT begins syncing and categorizing data, which may take a few minutes.
Once accounts are synced, a dashboard provides an up-to-date view of portfolio performance, spending, subscriptions, upcoming payments, and more.
Beyond connected accounts, users can share important context about their financial life - such as a mortgage, a savings goal, or a planned major purchase. For instance, a user might say: "I'm saving up to buy a car early next year" or "I still owe my parents [X amount] for the loan they gave me." ChatGPT saves that context to Financial memories to inform future conversations.
This broader context is a key part of what makes the experience valuable. Rather than treating each question in isolation, ChatGPT connects the dots across accounts, goals, and previously shared information, making its guidance more personal and complete.
How Responses Differ With and Without Finances Connected
Without Finances connected, asking ChatGPT to help create a savings plan produces generic advice - setting a concrete goal, focusing on high-impact spending categories, automating savings, creating low-spend defaults, exploring ways to earn extra income, and tracking one number weekly.
With Finances connected, the same question yields a highly personalized plan grounded in actual spending data. ChatGPT analyzes recent spending across categories like groceries, shopping, transportation, dining, and subscriptions, then builds a realistic monthly savings formula with specific dollar targets for each category. For example, it might suggest capping dining at $450/month, shopping at $300/month, and setting a transportation ceiling, with a total potential savings of approximately $705/month.
From Answers to Action, With Ecosystem Partners Like Intuit
OpenAI's vision for ChatGPT extends beyond answering questions to helping users take concrete action toward improving their financial lives. OpenAI is working with trusted ecosystem partners like Intuit to achieve this. For example, a user could move from receiving a credit card recommendation to understanding their approval odds and submitting an application, or from asking about tax implications of a stock sale to getting a trusted tax estimate and scheduling a session with a live, local tax expert - all powered by Intuit and accessible inside ChatGPT.
Keeping Your Information Private and Secure
Financial data is sensitive, and OpenAI has built this experience to respect user privacy and ensure users maintain control over their information.
When accounts are connected, ChatGPT can access balances, transactions, investments, and liabilities to help visualize finances or answer questions. It cannot see full account numbers or make any changes to accounts.
Conversations with connected financial accounts follow the same model training settings users choose across ChatGPT. This setting can be changed anytime in Settings > Data controls.
Users always remain in control of their information:
- Disconnecting accounts: Users can disconnect financial accounts at any time in Settings > Apps > Finances, or from the Finances page. Once disconnected, synced account data is deleted from OpenAI's systems within 30 days. Disconnecting does not affect financial information already in ChatGPT conversation history, but users can delete individual conversations at any time.
- Deleting financial memories: ChatGPT can remember key details users share - like goals, obligations, or money-related context - to make future financial conversations more relevant. These are stored as financial memories, a dedicated memory type used specifically for financial conversations. Users can view or delete them anytime from the Finances page.
- Temporary chats: In temporary chats, ChatGPT does not access connected financial accounts. Temporary chats do not appear in history.
Users can also enable multi-factor authentication (MFA) for an extra layer of account protection.
Designed and Evaluated for Accuracy and Quality
Conversations with connected financial accounts default to GPT-5.5 Thinking, OpenAI's latest reasoning model in ChatGPT.
Financial questions are personal, complex, and highly context-dependent. A helpful response must account for income, spending, balances, debts, goals, and timing, while being transparent about uncertainty, assumptions, and when additional information is needed.
To evaluate how well ChatGPT serves users in these moments, OpenAI built an internal benchmark that assesses response quality holistically based on criteria developed with experts. Over 50 finance professionals across leading institutions evaluated the experience and graded ChatGPT's performance on challenging personal finance tasks.
GPT-5.5 Thinking outperforms earlier models on complex personal finance tasks. GPT-5.5 Pro, available to ChatGPT Pro subscribers, achieves the best overall performance. On OpenAI's personal finance benchmark - a weighted composite of expert-graded response quality and accuracy - GPT-5.5 Thinking scored 79 out of 100, while GPT-5.5 Pro scored 82.5 out of 100.
This benchmark provides a clearer way to measure progress, and OpenAI will continue improving how ChatGPT handles complex personal finance tasks over time.
What ChatGPT Pro Community Testers Are Saying
Early testers from various backgrounds - including psychologists, marketing professors, entrepreneurs, educators, engineers, and composers - have shared positive feedback. One tester, psychologist Richard K. Sohn, PsyD, noted that connecting his finances in ChatGPT helped him figure out how to pay off his mortgage with a realistic monthly plan he could actually follow.