OpenAI announced a preview of a new personal finance experience in ChatGPT for Pro users in the U.S., enabling users to securely connect financial accounts, view spending dashboards, and ask questions grounded in their financial data and personal goals.
The new feature supports connections to more than 12,000 financial institutions through Plaid, with Intuit support expected soon. Available initially on web and iOS, the rollout begins with a smaller group of users before expanding to ChatGPT Plus users and eventually broader availability.
The company said the product is designed to help users better understand spending habits, evaluate financial tradeoffs, and plan for future goals by combining connected account data with GPT-5.5 reasoning capabilities.
Users can connect checking accounts, savings accounts, investments, liabilities, and other financial information directly within ChatGPT. Once linked, ChatGPT creates a dashboard showing portfolio performance, spending trends, subscriptions, upcoming payments, and other financial metrics.
OpenAI explained that users can also provide additional personal financial context, such as saving goals, outstanding loans, mortgages, or planned purchases. This information can be stored as “financial memories” to make future financial conversations more personalized.
The company emphasized that ChatGPT cannot access full account numbers or make changes to connected accounts. Users can disconnect accounts at any time, and synced financial data will be deleted from OpenAI’s systems within 30 days after disconnection.
According to OpenAI, financial conversations follow the same training and data control settings users choose across ChatGPT. Users can also delete financial memories individually and use temporary chats that do not access connected financial accounts.
The experience is powered by GPT-5.5 Thinking by default, which OpenAI said was specifically evaluated on complex financial reasoning tasks. The company developed an internal benchmark with input from more than 50 finance professionals across leading institutions to evaluate the quality and accuracy of responses.
OpenAI reported benchmark scores showing GPT-5.5 Pro achieving 82.5 out of 100 on complex personal finance tasks, while GPT-5.5 Thinking scored 79.0, outperforming earlier models.
The company also outlined future ambitions for the platform, including integrations with ecosystem partners such as Intuit. OpenAI said users may eventually be able to move from financial recommendations directly into actions such as applying for credit cards, estimating taxes, or scheduling sessions with tax professionals within ChatGPT.
OpenAI noted that the finance experience is intended to help users stay informed and more confident managing finances, but it is not a replacement for professional financial advice.
