OpenAI launched personal finance tools for ChatGPT Pro subscribers in the United States on May 15, enabling users to connect bank accounts, credit cards, and investment portfolios through a partnership with Plaid. The integration covers more than 12,000 financial institutions including Chase, Fidelity, Schwab, Robinhood, American Express, and Capital One.
How It Works
Users access the feature by selecting “Get started” in the Finances option in ChatGPT’s sidebar, or by typing “@Finances, connect my accounts” in a conversation. Once linked, ChatGPT displays a dashboard showing portfolio performance, spending patterns, subscriptions, and upcoming payments. The system can see balances, transactions, investments, and liabilities, but cannot view full account numbers or make changes to accounts, according to MacRumors.
Users can disconnect accounts at any time through Settings > Apps > Finances. Synced data is removed from ChatGPT within 30 days of disconnection, and financial memories can be viewed and deleted from the Finances page, per TechCrunch.
The Hiro Acquisition Connection
The launch comes one month after OpenAI acquired the team behind Hiro, a personal finance startup backed by Ribbit, General Catalyst, and Restive. OpenAI confirmed that the Hiro team’s finance expertise informed the product but did not specify whether they built the entire feature, according to TechCrunch.
Scale and Rollout
OpenAI reports that more than 200 million users already ask financial questions to ChatGPT every month. The company cited GPT-5.5’s stronger contextual reasoning as a factor enabling more reliable financial analysis. The feature is currently limited to Pro users on web and iOS, with Plus user access planned after OpenAI incorporates early feedback. Intuit integration is expected next, which would enable tax impact analysis and credit card approval probability assessments.
The Competitive Landscape for Financial Agents
OpenAI is not entering this space alone. Anthropic launched Claude for Small Business earlier this month with agentic workflows for QuickBooks, PayPal, and other financial tools. The convergence is clear: general-purpose AI platforms are moving into regulated financial domains, betting that users will trust the same interface they use for homework and trip planning with their bank data.
The read-only constraint (no transaction execution) positions this as advisory rather than autonomous. But the architecture is worth watching. Once agents can see your full financial picture, the gap between “suggest a budget” and “move money between accounts” becomes a single permission toggle.