OpenAI · 2026-05-15 · major
OpenAI Brings a Personal Finance Experience to ChatGPT — Pro Users in the US Can Link 12,000+ Banks and Brokerages Through Plaid for Read-Only Money Advice
OpenAI launched a preview personal finance feature for ChatGPT Pro users in the US. Connecting accounts through Plaid lets the chatbot read balances and transactions across 12,000-plus institutions and answer money questions with real data.
ChatGPT can now read your bank, brokerage, and credit accounts through Plaid to give advice grounded in your real numbers.
Key specs
| Institutions | 12,000+ |
|---|---|
| Availability | ChatGPT Pro, US preview |
What is it?
A new ChatGPT feature that connects a user's real financial accounts to the chatbot. Once accounts are linked, ChatGPT shows a dashboard of spending, subscriptions, portfolio performance, and upcoming payments, and answers planning questions using actual figures rather than generic advice. It is in preview for ChatGPT Pro subscribers in the United States on web and iOS.
How does it work?
ChatGPT links to more than 12,000 banks and brokerages through Plaid, the connection layer many fintech apps already use. Access is read-only: the model can see balances, transactions, investments, and liabilities, but not full account numbers, and it cannot move money. Users connect accounts from a Finances panel in the sidebar; disconnecting an account removes the synced data within 30 days.
Why does it matter?
It shifts ChatGPT from a general advice tool to one grounded in a user's real financial picture, so questions like planning to buy a house become concrete. It also routes sensitive bank data into an AI assistant, a tradeoff OpenAI addresses with read-only scopes and a 30-day deletion window.
Who is it for?
ChatGPT Pro users in the US
Try it
In ChatGPT, type "@Finances, connect my accounts"