OpenAI Launches Personal Finance Tools for ChatGPT Pro Subscribers

Quick Facts

• OpenAI launched personal finance tools for ChatGPT Pro subscribers in preview, available to limited U.S. users for $100/month
• Users can connect accounts from over 12,000 financial institutions through Plaid partnership, including Chase, Fidelity, and American Express
• More than 200 million users already ask financial questions to ChatGPT monthly, highlighting existing demand for AI-powered financial guidance

OpenAI rolled out personal finance features for ChatGPT Pro subscribers on Friday, marking the company’s entry into AI-powered financial advisory services. The preview launch targets a limited number of U.S. users who pay $100 monthly for the Pro subscription.

The new tools connect users to over 12,000 financial institutions through a partnership with Plaid. Supported institutions include major banks like Chase, investment platforms like Fidelity and Robinhood, and credit card companies like American Express and Capital One.

ChatGPT can now access account balances, transactions, investments, and liabilities while maintaining security restrictions. The AI cannot see full account numbers or execute account changes.

The system presents a personal finance dashboard showing real-time spending data, subscriptions, upcoming payments, and portfolio performance. Users can ask questions about spending patterns, future financial planning, and investment analysis.

“Finances are deeply personal and shaped by individual goals, priorities, and everyday realities,” said Ty Geri, Product Lead at OpenAI. “With Plaid’s secure, trusted way to connect financial accounts, ChatGPT helps people better understand where their money is going, spot patterns and tradeoffs, and make more informed decisions.”

The features run on GPT 5.5 Thinking, OpenAI’s latest reasoning model. In testing with over 50 finance professionals, the model scored 79 out of 100 on OpenAI’s internal personal finance benchmark. GPT 5.5 Pro achieved a higher score of 82.5.

OpenAI plans to expand capabilities to include active financial management. Future versions will handle credit card applications and estimate approval odds. The company is working with partners like Intuit to enable tax calculations and expert consultations within ChatGPT.

The launch follows OpenAI’s acquisition of personal finance startup Hiro in April. This marked the second finance-focused acquisition after hiring Roi co-founder Sujith Vishwajith in October 2025.

Industry analysts see the move as tech companies challenging traditional financial services. “The deal is less about OpenAI entering banking and more about what industry will own financial advice and engagement,” said Dylan Lerner, Javelin analyst.

ChatGPT Plus subscribers at $20 monthly will gain access to the finance features after OpenAI refines them based on Pro user feedback. OpenAI has not announced a timeline for this expansion.

Read more: OpenAI previews personal finance features in ChatGPT Pro