ChatGPT Finances: Budgeting Advice via Bank Account Link

ChatGPT now offers a new feature that connects directly to your financial and bank accounts for personalized budgeting advice. This upgrade, called Finances, is launching in preview for ChatGPT Pro users in the US on iOS and the web. It works through a partnership with Plaid, a financial connectivity platform. This gives ChatGPT access to data from over 12,000 financial institutions, including bank accounts, credit cards, loans, and investment portfolios. Once connected, ChatGPT can generate a dashboard showing spending habits, subscriptions, and portfolio performance. You can ask questions like, "What did my recent holiday actually cost me?" or "Help me build a plan to buy a house in five years." OpenAI states the system combines reasoning abilities with real financial context to provide tailored guidance. The AI can also remember broader financial details you share, like savings targets. OpenAI emphasizes this feature is a financial assistant, not a replacement for professional advice. It can view balances and transactions but cannot see full account numbers or make changes to accounts. Users can disconnect bank accounts at any time, with synced financial data deleted within 30 days. This new tool could change how people manage their personal finances.