ChatGPT Personal Finance: Connect Accounts, Track Spending

OpenAI has introduced a new personal finance feature in ChatGPT for Pro users in the United States. Users can now connect financial accounts, view spending and investment dashboards, and ask questions about their financial data. This feature is available on the web and iOS platforms. It supports connections with over 12,000 financial institutions. The rollout is limited right now to gather feedback before expanding access to other users. Users can securely link accounts through Plaid, with Intuit support planned for later. The AI assistant can access balances, transactions, investments, and liabilities to provide financial summaries. It cannot view full account numbers or make changes to accounts. Users can ask about budgeting, spending, and investment risks. ChatGPT can also store details like savings goals as "financial memories" for personalized responses. Importantly, temporary chats will not access connected accounts. Users can disconnect accounts or delete financial memories at any time. The system uses GPT 5.5 Thinking, OpenAI’s reasoning-focused model. OpenAI also worked with over 50 finance professionals to evaluate its performance. The company states ChatGPT can help manage finances but is not a replacement for professional advice. This could change how many people interact with their personal finances daily.