ChatGPT's New Finance Feature: What it Knows About Your Money

OpenAI has released a preview of a personal finance feature within ChatGPT. Pro subscribers in the United States can now link their bank accounts, view spending, and ask questions using live financial data. This new feature, rolled out on May 15, 2026, supports over 12,000 financial institutions and uses the GPT-5.5 Thinking model. It is currently being tested with a limited group of Pro users to gather data and identify problems before a wider expansion. Users access a dedicated "Finances" section to connect accounts via Plaid. After authentication, ChatGPT syncs and categorizes transaction data. A dashboard then provides a consolidated view of portfolio performance, spending patterns, subscriptions, and upcoming payments. What's interesting is that users can also input information not found in their accounts, like mortgages or loans, which ChatGPT stores as "financial memories." With both live data and these memories, ChatGPT can answer complex financial questions, such as goal planning, spending analysis, and investment risk reviews. This could offer a single point of reference for managing your finances, which are often spread across many apps and accounts.