ChatGPT Just Got a Personal Finance Upgrade

After bringing Codex to ChatGPT mobile app, OpenAI today announced a new personal finance experience inside ChatGPT. On paper, it seems capable of changing the way users manage money inside AI apps going forward. Starting today, Pro users in the U.S. can securely connect their bank accounts to ChatGPT and ask finance-related questions grounded in their real financial data.

OpenAI says that the new feature supports over 12,000 financial institutions through Plaid, while support for Intuit is reportedly coming later.

ChatGPT can now analyze spending, subscriptions, and financial goals

Once accounts are connected, ChatGPT generates a dashboard showing spending habits, subscriptions, portfolio performance, upcoming payments, liabilities, and more. Users can also ask questions like how to save more money, plan for a home purchase, or understand investment risks based on their own financial activity.

That said, OpenAI maintains that ChatGPT isn’t a replacement for professional financial advice. The company says the tool is designed more around guidance, planning, and identifying patterns rather than acting as a certified advisor.
Speaking of personalization, ChatGPT can now store “Financial memories.” These include things like savings goals, loans from family members, future purchases, or lifestyle priorities.

Apparently, that context helps the AI provide more personalized recommendations over time.
OpenAI also says privacy controls remain in users’ hands. Connected accounts can be removed anytime, synced data gets deleted within 30 days after disconnecting, and temporary chats won’t access financial information at all.

OpenAI may be pushing ChatGPT beyond just conversations

Interestingly, OpenAI also hinted at a larger ecosystem strategy here. The company says it eventually wants ChatGPT to move beyond answering questions and start helping users take actions directly, including credit card applications, tax estimates, and financial planning through partners like Intuit.

As of now, the feature is limited to Pro users in the U.S. across web and iOS, with a wider rollout expected later. In a related company news, OpenAI is reportedly considering legal action against Apple over ChatGPT’s Siri integration and weak iPhone adoption results.

Rishaj Upadhyay

News Editor

Rishaj is a tech writer who has been writing professionally for over four years, with a passion for Android, Windows, and all things tech. He initially joined Windows Report as a tech journalist and is now taking over as a news editor. When he’s not breaking the keyboard, you can find him cooking, or listening to music/podcasts.