Does ChatGPT Finance give investment advice?

ChatGPT can help users stay informed and feel more confident managing their finances, but it is not a replacement for professional financial advice. It cannot execute trades or provide binding investment recommendations.

Is this feature available outside the US?

Currently for US users only via web and iOS. OpenAI is learning from the preview before expanding to Plus subscribers then all users.

What are the potential privacy risks?

OpenAI has not fully explained how it may use aggregated financial data beyond model training. It also has not detailed all extra protections against a data breach.

How much does ChatGPT Pro cost?

ChatGPT Pro is $200/month in the US. The feature is available for Pro subscribers only — then Plus later after improving the experience based on feedback.

Can ChatGPT move my money?

No — ChatGPT cannot make changes to accounts or move funds. The tool is read-only for analysis and insights only.

ChatGPT Finance — OpenAI Launches Bank Account Linking With AI for Spending Analysis and Personal Financial Planning via Plaid

ChatGPT Finance — From Generic Advice to Real Personal Financial Analysis

OpenAI launched a preview of a new personal finance experience in ChatGPT on May 15, 2026, for Pro users in the United States. Users can now securely connect their financial accounts, see a dashboard of where their money is going, and ask ChatGPT questions grounded in their actual financial context — all while staying in control of their data.

How to Get Started

Users can access the tool by selecting "Get started" in the "Finances" option in the sidebar, or typing "@Finances, connect my accounts" in a ChatGPT conversation. ChatGPT will guide users through linking accounts through Plaid.

Plaid Partnership — 12,000+ Financial Institutions

OpenAI has partnered with the financial connection service Plaid to manage the account connections. Users can connect to over 12,000 financial institutions, including Schwab, Fidelity, Chase, Robinhood, American Express, and Capital One.

What ChatGPT Can See — and What It Cannot

ChatGPT can see balances, transactions, investments, and liabilities. But it cannot see full account numbers or make changes to accounts.

The Dashboard — A Complete Financial Picture

Once accounts are synced, users can see a dashboard that gives an up-to-date view of their position across portfolio performance, spending, subscriptions, upcoming payments, and more.

Questions You Can Ask Now

"I feel like I've been spending more recently. What changed?"
"Help me build a plan to buy a house in my area in 5 years"
"Which subscriptions am I not using?"
"Can I afford a vacation this summer based on my current spending?"

Privacy and Control

Users can go to Settings > Apps > Finances to remove connections to certain accounts. Once they disconnect a service, the synced data will be removed from ChatGPT in 30 days. Users can also view and delete financial memories from the Finances page.

The Background — Hiro Acquisition and Intuit Partnership

The launch comes exactly one month after OpenAI acquired the team behind personal finance startup Hiro, backed by Ribbit, General Catalyst, and Restive, in April.

OpenAI plans to support Intuit soon, which would enable analysis such as the impact of a stock sale on taxes or the odds of a credit card approval.

Competition With Perplexity

Perplexity launched its personal Plaid integration on May 14 — one day before OpenAI. Both companies now let paying subscribers connect their bank accounts to an AI chatbot through the same third-party data infrastructure.