OpenAI launched a personal finance tool within ChatGPT that allows users to connect their bank accounts, credit cards, brokerage and investment accounts to generate an AI dashboard that claims to give context-aware, data grounded financial advice.
The new AI tool, packaged as “your personal financial advisor” by OpenAI comes in the wake of its competition Anthropic AI launching a suite of pre-built AI agents for banks, insurers and asset managers in early May.
Interestingly, the announcement video shared by OpenAI on X ends with the disclaimer, “ChatGPT is not a replacement for professional financial advice.”
The feature is currently in preview and available only to ChatGPT Pro subscribers in the United States, on web and iOS.
A preview for Pro users: a new personal finance experience in ChatGPT.
Pro users in the U.S. can securely connect financial accounts, see where their money is going, and ask questions based on the information they choose to connect.
Your full financial picture, now in ChatGPT. pic.twitter.com/NjbJqOqFRi
— ChatGPT (@ChatGPTapp) May 15, 2026
The company has partnered with financial data firm Plaid to manage account connections, covering more than 12,000 institutions including Chase, Fidelity, Schwab, Robinhood, American Express, and Capital One. Once Pro tire users link their OpenAI account to their financial data, they see a dashboard showing portfolio performance, spending, subscriptions and upcoming payments. The feature runs on GPT- 5.5 Thinking, OpenAI’s latest reasoning model, which the company says scored 79 out of 100 on an internal personal finance benchmark.
The launch comes one month after OpenAI acquired the team behind personal finance startup Hiro, which was backed by Ribbit, General Catalyst, and Restive. TechCrunch reported OpenAI as saying that the Hiro team contributed to the product but didn’t specify their role.
The tool is built for questions that previously required piecing together multiple apps and spreadsheets. Users now can ask ChatGPT things like how to build a plan to buy a house in their area over five years or whether their spending changed recently and why. Users can also add context manually, including savings goals, mortgage details, planned purchases, and personal obligations. Open stores this as financial memories to improve conversations. The feature runs on GPT-5.5 Thinking, OpenAI’s latest mode reasoning model. OpenAI worked with more than 50 finance professionals to test the experience. GP T5.5 Thinking scored 79 out of 100 on the company’s internal personal finance benchmark.
OpenAI plans to add Intuit support soon, which would allow users to go from asking about tax implications of a stock sale to getting an estimate and booking sessions with a local expert, all inside ChatGPT.
Users can disconnect accounts at any time. synched data is deleted within 30 days of disconnection. Openai said ChatGPT is not a replacement for professional financial advice. Tech crunch reported the service will be made available to other subscribers after taking feedback from pro users.
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