OpenAI launched a Personal Finance feature inside ChatGPT in May 2026, allowing users to connect their financial accounts and use the AI assistant to analyze spending habits, subscriptions, investments, and broader financial goals.
To enable the feature, users can navigate to the new Finances section in the ChatGPT sidebar and click “Get started,” or type commands such as “@Finances, connect my accounts.” Once connected, ChatGPT syncs and categorizes transactions — a process that can take several minutes — and generates a dashboard displaying portfolio performance, spending trends, upcoming payments, and subscriptions in one place.
OpenAI partnered with financial technology platform Plaid to support connections with more than 12,000 financial institutions, including American Express, Bank of America, and Robinhood. An integration with Intuit is planned for later in 2026.
The San Francisco-based company noted that over 200 million ChatGPT users already turn to the chatbot monthly for budgeting and investment questions. OpenAI also said its new GPT-5.5 model performs better on personal finance queries. Users can ask questions such as “Help me build a plan to buy a house in my area in the next 5 years” or “Look at my subscriptions and help me choose what to cancel.” Additional financial context — such as a mortgage or savings goal — can be saved under a dedicated Financial Memories section.
On privacy, OpenAI stated that once a financial institution is connected, ChatGPT can view balances, transactions, investments, and liabilities, but cannot access full account numbers or make changes to any accounts. The company noted that personal finance conversations are subject to the same model training settings as standard ChatGPT conversations.
The feature could give users a single conversational interface for financial planning, though its reliance on the same data-sharing settings as regular chats may prompt questions from users concerned about how their financial information is handled.
Source: mint – technology