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(opens in a new window) 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. Now you can ask questions like:

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.

Connect your financial information

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. For example, you might tell ChatGPT: “I’m saving up to buy a car early next year” or “I still owe my parents [X amount] for the loan they gave me.” ChatGPT can save that context to your Financial memories to inform future conversations.

That broader context is part of what makes this experience useful – instead of treating each question in isolation, ChatGPT can help connect the dots across your accounts, your goals, and what you’ve already shared, so the guidance is more personal and complete.

The vision for ChatGPT is to go beyond answering questions to help users take action towards improving their financial lives, and we’re working with trusted ecosystem partners like Intuit to do this. For example, a user could go from getting a credit card recommendation to understanding their approval odds and submitting an application, or from asking about tax implications of a stock sale to getting a trusted tax estimate and scheduling a session with a live, local tax expert, powered by Intuit and all inside ChatGPT.

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. 

Your conversations with connected financial accounts follow the same model training settings you choose across ChatGPT. You can change this setting anytime in Settings > Data controls⁠(opens in a new window).

You are always in control of your information:

Conversations with connected financial accounts default to GPT‑5.5 Thinking⁠, our latest reasoning model in ChatGPT.

Financial questions are personal, complex, and highly context-dependent. A helpful response needs to account for someone’s income, spending, balances, debts, goals, and timing, while being clear about uncertainty, assumptions, and when more information is needed. 

To better understand how well ChatGPT serves people in these moments, we built an internal benchmark that helps us evaluate response quality holistically based on criteria developed with experts. We worked with over 50 finance professionals across leading institutions to evaluate this experience and grade ChatGPT’s performance on challenging personal finance tasks.

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.

This benchmark gives us a clearer way to measure progress, and we will continue to improve how ChatGPT handles complex personal finance tasks over time.