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OpenAI on Friday began previewing personal finance tools inside ChatGPT, opening the chatbot to live bank, brokerage, and credit-card data through the financial-data network Plaid. The preview is limited to ChatGPT Pro subscribers in the United States and reaches more than 12,000 financial institutions, the company wrote on its product page. After connecting an account, users see a dashboard of portfolio performance, spending, subscriptions, and upcoming payments. The release comes one month after OpenAI's April acquisition of Hiro, an AI personal-planning startup whose team helped ship the feature.
Key Takeaways
- OpenAI launched a preview of personal finance tools inside ChatGPT for US Pro subscribers, with live account access through the financial-data network Plaid.
- The integration reaches more than 12,000 institutions including Chase, Schwab, Fidelity, Robinhood, American Express, and Capital One.
- Conversations default to GPT-5.5 Thinking; GPT-5.5 Pro is available to ChatGPT Pro and scored 82.5 of 100 on OpenAI's internal finance benchmark.
- The release comes one month after OpenAI's April acquisition of personal-planning startup Hiro and lays groundwork for Intuit-powered tax and credit features.
AI-generated summary, reviewed by an editor. More on our AI guidelines.
How the integration works
ChatGPT Pro users open the tool from a new Finances section in the sidebar, or by typing "@Finances, connect my accounts" inside any conversation, OpenAI noted on its release page. Plaid handles authentication. The chatbot then pulls balances and transaction histories, ingests recurring charges, and indexes investment activity, with OpenAI warning that the sync can take several minutes. Supported names include Chase, Schwab, Fidelity, Robinhood, American Express, and Capital One, TechCrunch reported. Conversations with connected accounts default to GPT-5.5 Thinking, OpenAI's reasoning model. GPT-5.5 Pro is available to ChatGPT Pro users and scored highest on the company's internal benchmark.
OpenAI disclosed that it worked with more than 50 finance professionals to build an internal benchmark for the experience. GPT-5.5 Thinking scored 79 out of 100 on that benchmark and GPT-5.5 Pro scored 82.5, according to the company's release. The product remains a preview, available only on web and on iOS for the $200-per-month Pro tier, The Verge reported. ChatGPT Plus, priced at $20 a month, is not yet supported.
What ChatGPT can see, and what it cannot
The integration is read-only. ChatGPT can pull balances, transactions, investments, and liabilities, but cannot see full account numbers or move money. Users can ask questions like "Help me build a plan to be ready to buy a house in my area in the next 5 years," per the sample prompts OpenAI published.
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Disconnections happen through Settings > Apps > Finances. Synced data is deleted from OpenAI's systems within 30 days after a user revokes access, the company said. Disconnecting does not erase financial details already in conversation history, which users must delete separately. Temporary chats do not touch connected accounts, and existing model-training opt-outs carry over automatically, so any subscriber who has already opted out will not see financial conversations enter training data. OpenAI's product page adds that ChatGPT is "not a replacement for professional financial advice."
Hiro acquisition and the Intuit roadmap
The April acquisition of Hiro Finance, an AI personal-planning startup founded by Ethan Bloch and backed by Ribbit, General Catalyst, and Restive, supplied the team that helped ship the feature. An OpenAI spokesperson confirmed to Engadget that work on the integration began before the deal closed. Plaid chief executive Zach Perret told Bloomberg the partnership is oriented around "greater financial freedom" and described Friday's release as a starting point.
Intuit support is on the roadmap. OpenAI said the addition will enable estimates of how a stock sale would change a tax bill, plus an indication of the odds of a credit card approval. Perplexity rolled out Computer for Professional Finance earlier this month, and OpenAI itself launched ChatGPT Health in January, a precedent for taking the chatbot into sensitive personal categories. The company said it will expand to Plus subscribers after gathering feedback from the Pro preview.
Frequently Asked Questions
What does ChatGPT's new personal finance feature do?
It lets ChatGPT Pro subscribers in the United States connect their bank, brokerage, and credit-card accounts through Plaid. Once linked, users see a dashboard showing portfolio performance, spending, subscriptions, and upcoming payments, and can ask the chatbot questions grounded in their actual financial data, such as how to save for a home purchase or which subscriptions to cancel.
How much does it cost and who can use it?
The preview is limited to ChatGPT Pro subscribers in the US on web and iOS. According to The Verge, the Pro tier costs $200 a month. ChatGPT Plus, at $20 a month, is not yet supported. OpenAI says it will expand to Plus subscribers after gathering feedback from the Pro preview.
Can ChatGPT move money or change accounts?
No. The integration is read-only. ChatGPT can pull balances, transactions, investments, and liabilities, but it cannot see full account numbers and cannot move money or take any action on a user's behalf.
What happens to financial data if a user disconnects?
Users disconnect accounts in Settings > Apps > Finances. OpenAI says synced data is deleted from its systems within 30 days after access is revoked. Disconnecting does not erase financial details already inside conversation history; users have to delete those conversations separately. Temporary chats do not touch connected accounts at all.
Why did OpenAI acquire Hiro Finance?
OpenAI acquired the AI personal-planning startup Hiro in April. Founder Ethan Bloch and the team, previously backed by Ribbit, General Catalyst, and Restive, moved to OpenAI. The Hiro team helped ship the personal finance feature, though an OpenAI spokesperson told Engadget that work began before the acquisition closed.
AI-generated summary, reviewed by an editor. More on our AI guidelines.
Marcus Schuler
Editor-in-Chief and founder of Implicator.ai. Former ARD correspondent and senior broadcast journalist with 10+ years covering tech. Writes daily briefings on policy and market developments. Based in San Francisco. E-mail: [email protected]
