OpenAI launched a preview of Finances in ChatGPT on May 15, 2026, allowing ChatGPT Pro subscribers in the United States to connect financial accounts through Plaid and ask questions based on their account data.
The initial rollout covers web and iOS. OpenAI says the integration supports more than 12,000 financial institutions and that it plans to improve the experience using early feedback before expanding access to Plus subscribers.
Connected accounts and financial planning
OpenAI describes a dashboard showing spending, subscriptions, upcoming payments and portfolio performance. Users can link bank, credit card, brokerage and other supported financial accounts from the Finances option in the sidebar or by entering “@Finances, connect my accounts” in a conversation. After authentication, ChatGPT begins syncing and categorizing the available data.
The company says users can ask about changes in spending, recurring charges and savings goals. Its examples include reviewing whether spending has increased and developing a plan to buy a home within five years.
Users can also provide financial context beyond connected accounts, such as a mortgage, private loan or planned purchase. OpenAI says ChatGPT can save these details as financial memories to inform future finance conversations.
Data access and product limits
OpenAI says users choose which accounts to connect. ChatGPT can access balances, transactions, investments and liabilities through those connections, but the company says it cannot see full account numbers or make changes to connected accounts. OpenAI also says ChatGPT is not a replacement for professional financial advice.
Accounts can be disconnected through Settings > Apps > Finances or from the Finances page. OpenAI says synced account data will be deleted from its systems within 30 days after disconnection.
Disconnecting an account does not delete financial information already included in conversation history; those conversations can be deleted separately. Users can also view or delete financial memories from the Finances page.
The company says conversations involving connected financial accounts follow the model-training settings users choose across ChatGPT. Its announcement also identifies multi-factor authentication as an additional account-protection option.
Planned integrations and development background
OpenAI says more than 200 million people ask ChatGPT finance-related questions each month. The company says advances in GPT-5.5 improve its reasoning through complex, context-dependent personal finance questions.
At launch, OpenAI said Intuit support was coming soon. It outlined potential future uses including estimating the tax implications of a stock sale and arranging a session with a tax expert.
The preview follows OpenAI’s April acquisition of personal finance startup Hiro, whose backers included Ribbit, General Catalyst and Restive. OpenAI said the Hiro team’s finance expertise helped with the launch, without specifying whether the team built the entire feature.
