OpenAI has introduced a new personal finance experience inside ChatGPT for Pro users in the United States. The feature allows users to securely connect bank accounts, credit cards, loans, and investment portfolios through Plaid integration to receive AI-powered financial insights and planning support.
ChatGPT can analyze spending habits, subscriptions, cash flow, savings goals, and investment performance while answering personalized finance questions in natural language.
OpenAI says the experience is powered by GPT-5.5 reasoning capabilities and supports more than 12,000 financial institutions. Users also maintain control over connected data, with options to disconnect accounts and manage stored financial context directly within ChatGPT.
