OpenAI has introduced Finances, a personal finance experience inside ChatGPT that lets users securely connect bank and investment accounts to receive spending insights, goal planning, and other account-grounded answers. The feature launched as a preview for ChatGPT Pro users in the U.S. on June 25, 2026 and later expanded to Free and Go users in the U.S. on October 2, 2026, according to OpenAI.
Features and rollout
With Finances connected, users see a dashboard that aggregates portfolio performance, spending categories, subscriptions, and upcoming payments. OpenAI lists examples of use cases such as goal planning, travel spend analysis, scenario planning, and subscription review. The company says the experience supports connections to more than 12,000 financial institutions via Plaid, with Intuit support coming soon. Subsequent additions include weekly insights, credit monitoring, stock watchlists, voice support, Android availability, and manual account entry.
Model, evaluation and limits
OpenAI states that conversations with connected financial accounts default to GPT‑5.5 Thinking, its reasoning model, and that GPT‑5.5 Pro achieves higher performance for Pro users. The company published internal benchmark scores: 79 out of 100 for GPT‑5.5 Thinking and 82.5 for GPT‑5.5 Pro, based on evaluations developed with over 50 finance professionals. OpenAI also cautions that ChatGPT is not a replacement for professional financial advice.
Privacy, controls and how to start
OpenAI describes several controls for user data: accounts are linked through Plaid, ChatGPT cannot see full account numbers or make changes to accounts, and synced account data will be deleted from OpenAI’s systems within 30 days after disconnecting. Users can view or delete Financial memories—context saved to inform future conversations—and use temporary chats that do not access connected accounts. Multi-factor authentication (MFA) can be enabled for additional account security.
To begin, OpenAI directs users to open Finances from the ChatGPT sidebar and choose “Get started” or start a conversation with “@Finances, connect my accounts,” which initiates the Plaid authentication and data sync process.
Original source: OpenAI News