OpenAI has launched a personal finance service within ChatGPT, currently available in preview for Pro subscribers in the U.S. This feature allows users to connect their financial accounts and ask ChatGPT various queries regarding their finances, from daily budgeting to long-term savings.
The initiative aims to simplify users’ understanding of their financial situations without the need to switch between multiple apps, accounts, and records. “ChatGPT can combine that reasoning with your real financial context and what you’ve shared about your goals, lifestyle, and priorities, helping you spot patterns, understand tradeoffs, and plan for big decisions in a way that feels more personal and complete,” OpenAI stated in its announcement.
OpenAI clarified that the service is not intended as a substitute for professional financial advice. The feature is powered by GPT-5.5 Thinking technology, which the company claims surpasses earlier models in dealing with complex personal finance tasks. However, ChatGPT received an 82.5 out of 100 on OpenAI’s internal finance benchmark, indicating room for improvement.
Users can inquire about topics such as spending habits over time, methods for saving for a house, subscription costs, and investment risks. OpenAI emphasized that the personal finance service has been developed in collaboration with over 50 finance professionals. The company plans to gradually expand the service, ultimately integrating additional features like loan applications from industry partners.
The service supports account connections from over 12,000 financial institutions. Pro users can initiate the feature via the Finances option in the sidebar or with the prompt “@Finances, connect my accounts.” Users retain control over their data, as they can disconnect accounts and delete chat histories at any time. ChatGPT, however, does not facilitate financial transactions.
The financial dashboard provides users with visual representations of their income and expenditures through tables and charts. Initial feedback on platforms such as Reddit has been mixed, with some expressing skepticism about data privacy and potential AI errors. Concerns have been raised, including comments like one user who described the feature as “sounds like malware,” and another who labeled it “clearly insane.”
