OpenAI has launched a personal finance feature in ChatGPT that connects to users' actual bank accounts via Plaid, providing personalized financial advice based on real spending data. The feature is initially available to Pro subscribers ($200/month) in the U.S. on web and iOS. It offers read-only access to balances, transactions, investments, and liabilities from over 12,000 financial institutions, including major banks like Chase and Fidelity. ChatGPT uses this data to generate customized monthly plans with real dollar targets, moving beyond generic budgeting advice. OpenAI acquired two fintech startups—Roi and Hiro—in the past year to develop this capability. The default model for this feature is GPT-5.5 Thinking, which scored 79 out of 100 on a proprietary finance benchmark. While Plaid ensures bank-level encryption and does not store credentials, users should consider privacy implications: OpenAI states that data syncs are deleted within 30 days if disconnected, and conversations follow existing model training settings. Crucially, ChatGPT is not a financial advisor and has no fiduciary duty. This move mirrors OpenAI's earlier expansion into healthcare and signals a broader trend of AI integrating with personal finance.

Key facts

• ChatGPT connects to 12,000+ banks via Plaid for read-only access to financial data.
• Feature available to U.S. Pro subscribers ($200/month) on web and iOS.
• Provides personalized budget plans based on actual 90-day spending history.
• OpenAI acquired fintech startups Roi and Hiro to build this capability.
• ChatGPT is not a financial advisor and has no fiduciary duty.

KeyAudit data perspective