You can now link ChatGPT to your bank accounts to track your finances; OpenAI releases a preview of a new personal finance experience in ChatGPT in the US

With the help of ChatGPT, OpenAI has helped its users in excelling in almost every department, whether it’s studying, shopping, budgeting, investments, clinical tasks or more. What if we tell you that ChatGPT can now even keep track of your finances?

Yes, you read that right. A few days back, OpenAI released a preview of a new personal finance experience in ChatGPT.

A new personal finance experience in ChatGPT

With this new capability, you can securely connect your financial accounts to ChatGPT, see a dashboard of where your money is going, and ask ChatGPT questions grounded in your financial context.

With your financial accounts connected, ChatGPT can combine reasoning with your financial context and what you’ve shared about your goals, lifestyle, and priorities, helping you spot patterns and understand tradeoffs. It can help you stay informed and manage your finances, but it is not a replacement for professional financial advice.

How to get started?

Open Finances from the sidebar in ChatGPT and select ‘Get started’ or start a conversation from anywhere in ChatGPT by saying ‘@Finances, connect my accounts.’ ChatGPT will guide you through securely linking accounts through Plaid, with Intuit support coming soon. After you authenticate, ChatGPT will begin syncing and categorising your data.

Once your accounts are synced, you will see a dashboard that gives an up-to-date view of where you stand across portfolio performance, spending, subscriptions, upcoming payments, and more.

You can also share important context about your financial life, like a mortgage, a savings goal, or a major purchase you are planning. ChatGPT can help connect the dots across your accounts, your goals and what you have already shared, so the guidance is more personal and complete.

According to OpenAI, the vision behind this capability is to help users take action towards improving their financial lives.

The main concern that users may have in using the new feature is security and privacy. OpenAI has specified that ChatGPT cannot see full account numbers or make any changes to your accounts. You are always in control of your information:

• You can disconnect your financial accounts at any time. Once disconnected, your synced data will be deleted from OpenAI’s systems within 30 days.
• ChatGPT remembers key details you share, like goals, obligations or context about your money. These are saved as financial memories. You can view or delete them at any time from the Finance page.
• When you use temporary chats, ChatGPT won’t access your connected financial accounts.

Users can also enable multi-factor authentication to further secure their ChatGPT account. Conversations with connected financial accounts default to GPT 5.5 Thinking.

Availability

This ability is being rolled out to Pro users in the US to connect their financial accounts in ChatGPT on web and iOS, with support for more than 12,000 financial institutions. The company will further improve this feature in this early testing and then roll it out to Plus users.