Want to save up and treat yourself to one of the best smartphones? Then there’s some potentially good news – OpenAI is giving ChatGPT a new feature that lets it connect directly to your financial and bank accounts to offer personalised budgeting advice, spending analysis, and investment insights.
The new feature, called Finances, is launching in preview form for ChatGPT Pro users in the US on iOS and the web. It works through a partnership with Plaid, a financial connectivity platform that securely links apps to bank accounts, giving ChatGPT access to data from more than 12,000 financial institutions, including bank accounts, credit cards, loans, and investment portfolios.
Once connected, ChatGPT can generate a dashboard showing spending habits, subscriptions, upcoming payments, portfolio performance, liabilities, and more.
Instead of manually digging through banking apps and spreadsheets, you can ask questions like “What did my recent holiday actually cost me?”, “Can I afford to take a lower-paying job?”, or “Help me build a plan to buy a house in five years.” Be warned, the answers may be brutal.
OpenAI says that the system is designed to combine GPT-5.5’s reasoning abilities with real financial context and the goals users share, to provide more tailored guidance. The AI can also remember broader financial details you choose to share – like savings targets, loans from family members, or planned purchases – to make future conversations more useful over time.
Naturally, the company is careful to position ChatGPT as a financial assistant rather than a replacement for professional financial advice. OpenAI says that the feature can also view balances, transactions, investments, and liabilities, but cannot see full account numbers or make changes to connected accounts.
Privacy is likely to be one of the biggest talking points here, especially given the amount of sensitive data involved. OpenAI says users can disconnect connected bank accounts at any time, with synced financial data deleted from its systems within 30 days. Temporary chats also won’t access connected accounts.
There’s no word on when the feature will roll out to other markets, but we’ll be sure to keep you posted.
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