- OpenAI launches personal finance service on ChatGPT
- It is now being tested with Pro subscribers in the US.
- Connect your accounts and make inquiries about your finances
OpenAI’s latest ChatGPT initiative is “a new personal finance experience”: Now available in preview for Pro subscribers in the US, the AI chatbot will connect to users’ financial accounts and answer queries on everything from daily budgets to long-term savings.
In its announcement post, OpenAI says it wants to help people make sense of their money more easily, without having to check multiple apps, accounts, spreadsheets, and other records to understand the inputs and outputs.
“ChatGPT can combine that reasoning with your real financial context and what you’ve shared about your goals, lifestyle, and priorities, helping you spot patterns, understand trade-offs, and plan big decisions in a way that feels more personal and complete,” the post states.
That said, the ad also emphasizes that this is “not a substitute for professional financial advice,” which is probably prudent given the potential for delusions. The service is powered by GPT‑5.5 Thinking, which OpenAI says “outperforms previous models on complex personal finance tasks.”
It’s still far from perfect, though—it scores an 82.5 out of 100 on OpenAI’s “internal benchmark,” whatever that means—so if ChatGPT tells you you’ve been spending too much on iced coffees or that you need to invest your savings in AI companies, you might want to double-check.
Users are not convinced
According to OpenAI, many people are already asking ChatGPT for financial advice, so this is the next logical step. The idea is that you can ask about your spending habits over time, how best to save for a house, how much you spend on subscriptions, and what the risks are with certain investments, for example.
The new personal finance experience has been developed in partnership with more than 50 finance professionals, and as it gradually expands to more people, OpenAI wants to bring in industry partners. Over time, you will be able to inquire about different loan options and then apply for a loan directly in the ChatGPT app.
Accounts from over 12,000 financial institutions can be connected, and Pro users can get started through the Finance option in the sidebar or by saying “@Finances, connect my accounts.” Accounts can be disconnected and chats deleted at any time, and ChatGPT cannot conduct any financial transactions (at least… not yet).
Once those accounts are connected, you get a dashboard that breaks down where your money comes and goes, and your finances over time—it all looks like a fancy set of charts and graphs in Excel.
Judging by Reddit’s reaction, the initial response might be slow: one user says this “sounds like malware,” while another says it’s “clearly crazy.” There are also very real concerns about data privacy and AI errors.
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