Starting May 15, US-based ChatGPT Pro subscribers can connect their bank, credit, investment, and loan accounts via Plaid to ChatGPT’s new personal finance feature, turning generic advice into data-driven financial insights and planning.
- ChatGPT’s new Finances tab connects to 12,000+ US financial institutions via Plaid.
- Feature uses GPT-5.5 to deliver personalized insights based on actual financial data.
- Users retain control with options to disconnect and automatic data deletion within 30 days.
What happened
OpenAI unveiled a personal finance experience inside ChatGPT on May 15, enabling US-based ChatGPT Pro subscribers to link their bank accounts, credit cards, investment portfolios, and loans through Plaid. This integration covers over 12,000 financial institutions and allows users to interact with ChatGPT using real account data. By opening the new Finances tab or issuing a command in chat, users can connect their accounts securely and begin exploring tailored financial information and planning tools.
Once accounts are linked, ChatGPT generates a detailed dashboard showing key financial metrics such as portfolio performance, spending habits, subscriptions, and upcoming bills. Users can ask specific questions like calculating holiday expenses or building long-term financial plans such as home buying. OpenAI confirms that while ChatGPT can access balances and transactions, sensitive information like full account numbers is not visible, and the AI cannot make any changes on the accounts.
Why it matters
This feature marks OpenAI’s first major step into direct personal finance management, moving beyond generic advice to highly individualized financial insights. OpenAI reports that over 200 million users ask ChatGPT finance-related questions monthly, highlighting significant demand for more personalized tools. The integration of GPT-5.5, co-developed with input from over 50 finance experts, improves ChatGPT’s reasoning for complex, context-sensitive queries about money.
The launch also demonstrates OpenAI’s strategic fintech expansion, following acquisitions such as Hiro Finance and Roi, and partnerships like the one with Intuit, which point toward deeper financial service capabilities in the future. By leveraging Plaid, widely trusted by fintech giants, OpenAI enters a competitive landscape alongside companies like Perplexity, signaling a new AI-driven approach to personal and professional finance.
What to watch next
OpenAI’s partnership with Intuit remains a key development to watch, as it could elevate ChatGPT into a comprehensive finance platform rather than just an interactive assistant. Meanwhile, competition from Perplexity and other AI-based finance tools continues to intensify, with each company leveraging AI and institutional data differently to capture market segments ranging from consumers to professional investors.