On Friday, OpenAI introduced a new suite of personal finance tools in preview for ChatGPT Pro subscribers in the U.S. These tools allow users to link their financial accounts and ask questions ranging from spending analysis to future financial planning. To manage these account connections, OpenAI has partnered with the financial connection service Plaid. Users can link accounts from over 12,000 financial institutions, including Schwab, Fidelity, Chase, Robinhood, American Express, and Capital One. Once connected, users will see a dashboard displaying their portfolio performance, spending, subscriptions, and upcoming payments.

This new product arrives just one month after OpenAI acquired the team behind the personal finance startup Hiro, which was backed by firms like Ribbit, General Catalyst, and Restive in April. OpenAI noted that the Hiro team’s financial expertise was valuable in launching this product, but did not specify if the entire feature was built by them. Users can access the tool by selecting “Get started” in the “Finances” option in the sidebar, or by typing “@Finances, connect my accounts” in a ChatGPT conversation. The chatbot will then guide them through linking accounts via Plaid. The company also plans to support Intuit soon, which would enable analysis such as the impact of a stock sale on taxes or the odds of credit card approval.

According to OpenAI, over 200 million users already ask financial questions to ChatGPT each month. The company also highlighted that the new GPT-5.5 model is better at reasoning with context, which is crucial for answering finance-related questions. OpenAI worked with finance experts to create a benchmark for the model to improve on personal finance queries. With this new financial tool integration, users can get detailed answers to questions like, “I feel like I’ve been spending more recently. Has anything changed?” or “Help me build a plan to be ready to buy a house in my area in the next 5 years.”

Users can go to Settings > Apps > Finances to remove connections to specific accounts if desired. Once a service is disconnected, the synced data will be removed from ChatGPT within 30 days. Additionally, users can view and delete financial memories from the Finances page. Generalized chatbots are designed to answer almost anything, which leads people to ask about sensitive topics like health, finance, and personal life. AI companies are recognizing this trend and developing specialized products for these sectors. Both OpenAI and Anthropic have launched health-related tools, and earlier this month, Perplexity introduced its own financial research product based on its Computer agent. OpenAI stated that its personal finance tools will be available on ChatGPT for the web and iOS to Pro users. The company noted that, based on feedback from these users, it aims to improve the product before making it available to Plus subscribers.