OpenAI rolled out a preview of personal finance tools in ChatGPT on Friday, allowing Pro subscribers in the U.S. to securely connect bank accounts and receive AI-powered financial guidance grounded in their actual spending and investment data.

The feature, accessible via web and iOS, integrates with over 12,000 financial institutions through Plaid, including Chase, Schwab, Fidelity, Robinhood, American Express, and Capital One. Users see a dashboard displaying portfolio performance, spending patterns, subscriptions, and upcoming payments, then can ask ChatGPT context-aware questions like "Help me build a plan to save more" or "Am I ready to buy a house in five years?"

The system defaults to GPT-5.5 Thinking, OpenAI's latest reasoning model, which the company says excels at the complex, context-dependent questions personal finance requires. OpenAI worked with over 50 finance professionals to develop an internal benchmark—GPT-5.5 Thinking scored 79 out of 100, while GPT-5.5 Pro achieved 82.5.

The launch comes one month after OpenAI acquired the team behind AI personal finance startup Hiro. OpenAI plans to add Intuit integration soon, enabling users to go from tax estimate questions to booking sessions with live tax experts without leaving ChatGPT.

According to OpenAI, more than 200 million users already ask ChatGPT financial questions monthly. With this in mind, the company plans to expand access to Plus subscribers after gathering feedback from the current user preview by Pro users, although its long-term goal is to make the tools available to all users.