OpenAI has now started rolling out a new personal finance feature that allows users to directly connect their bank accounts, credit cards and investment portfolios with ChatGPT. In simple terms, the AI assistant can now help users track spending habits, monitor subscriptions, analyse savings and even offer personalised money insights based on real financial data. The update introduces a dedicated “Finances” section inside ChatGPT, giving the AI chatbot a much more practical role in everyday money management.
ChatGPT Can Now See Your Financial Habits
Instead of jumping between banking apps, spreadsheets and budgeting tools, users can now view their finances in one dashboard inside ChatGPT. OpenAI says the feature is designed to make financial planning easier and more conversational. Once accounts are linked, ChatGPT can display spending patterns, recurring payments, investments, savings progress, portfolio performance and upcoming bills. It can also answer personalised financial questions instead of offering generic budgeting suggestions. For instance, users can ask why their expenses increased last month, whether they can afford a new gadget or vacation, or how much they are realistically saving every month.
How To Use The New Finances Feature
Users can open the “Finances” tab from the ChatGPT sidebar or simply type “@Finances, connect my accounts” into the chat window.
The AI platform then uses Plaid, a financial connectivity service already used by apps like Venmo and Robinhood, to securely link accounts. OpenAI says support for Intuit integration will arrive later.
After authentication, ChatGPT begins syncing account activity and categorising transactions automatically. The process may take a few minutes, depending on the number of connected accounts.
OpenAI says ChatGPT can also help users with financial goal planning, travel expense analysis, subscription management, investment risk discussions, and long-term savings planning.
In one example shared by the company, ChatGPT reviewed recurring expenses and cash flow trends before suggesting monthly spending limits for groceries, dining and shopping. It also recommended setting up automatic savings transfers.
OpenAI is additionally introducing “financial memories,” which allow ChatGPT to remember personal finance details such as mortgages, savings goals, or money borrowed from family members. The company claims this makes future financial conversations more personalised and context-aware.
Availability And Privacy Details
For now, the finance feature is limited to ChatGPT Pro users in the US on web and iOS platforms. It currently supports more than 12,000 financial institutions. On the privacy side, OpenAI says ChatGPT can view balances, transactions, liabilities, and investments after accounts are connected, but it cannot access full account numbers or move money between accounts. Users can disconnect linked accounts anytime and OpenAI says synced financial data will be deleted within 30 days after removal.
