A new personal finance experience in ChatGPT

Today we’re releasing a preview of a new personal finance experience in ChatGPT to Pro users in the U.S. Now you can securely connect your financial accounts, see a dashboard of where your money is going, and ask ChatGPT questions grounded in your financial context – all while staying in control of your data. We’re starting with a preview to a smaller group so we can learn from real-world use, improve the experience, and expand thoughtfully.

Money touches nearly every part of life: where we live, what decisions we make, how we care for loved ones, what future we imagine. But managing finances today often means piecing together accounts, apps, cards, loans, and spreadsheets just to know where things stand. Even then, it can be hard to see the full picture or know what to do next.

People are already turning to ChatGPT for help: more than 200 million people come to ChatGPT every month for budgeting, questions about their investments, comparing different paths, planning for future goals, and more. Recent advances in GPT‑5.5 make ChatGPT stronger at reasoning through the complex, context-dependent questions that personal finance often requires.

With your financial accounts connected, 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 tradeoffs, and plan for big decisions in a way that feels more personal and complete.

ChatGPT can help you stay informed and feel more confident managing your finances, but it is not a replacement for professional financial advice.

Starting today, we’re rolling out the ability for Pro users in the U.S. to connect their financial accounts in ChatGPT on web and iOS, with support for more than 12,000 financial institutions. We’ll learn and improve from early use before rolling it out to Plus, with the goal of making it available to everyone.

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 then guide you through securely linking accounts through Plaid, with Intuit support coming soon. After you authenticate, ChatGPT will begin syncing and categorizing your data, which may take a few minutes. Once your accounts are synced, you can see a dashboard that gives you an up-to-date view of where you stand across portfolio performance, spending, subscriptions, upcoming payments, and more.

Beyond connected accounts, you can share important context about your financial life, like a mortgage, a savings goal, or a major purchase you’re planning for. ChatGPT can save that context to your Financial memories to inform future conversations.

Your financial data is sensitive, and we have built this experience to respect your privacy and ensure that you’re in control of your information. When you connect your accounts, ChatGPT can access your balances, transactions, investments, and liabilities to help visualize your finances or answer your questions. It cannot see full account numbers or make any changes to your accounts.

Conversations with connected financial accounts default to GPT‑5.5 Thinking, our latest reasoning model in ChatGPT. GPT‑5.5 Thinking outperforms earlier models on complex personal finance tasks. GPT‑5.5 Pro, available for people on ChatGPT Pro, achieves the best overall performance.