- OpenAI launched a ChatGPT personal finance feature with read-only access to users’ bank data via Plaid.
- The feature is in preview for U.S. ChatGPT Pro subscribers and uses the GPT-5.5 Thinking model.
- This follows OpenAI’s acquisitions of AI finance startups Roi and Hiro to build the capability.
- The tool provides personalized advice but carries no fiduciary duty, meaning user liability remains.
OpenAI has launched a personal finance feature for ChatGPT, giving the AI read-only access to user bank accounts via Plaid. The preview is rolling out now for ChatGPT Pro subscribers in the U.S. and defaults to the new GPT-5.5 Thinking model. This marks a significant shift from generic budgeting tips to personalized financial analysis.
Consequently, connected users can ask for savings plans based on their actual 90-day spending data. The system connects to over 12,000 institutions, including Chase and Fidelity, but cannot move money. This move builds on OpenAI’s acquisition of two AI finance startups, Roi and Hiro Finance, last year.
However, the obvious question is data safety. Plaid provides bank-level encryption and doesn’t store credentials. OpenAI states connected data follows the user’s chosen model training settings and is deleted within 30 days of disconnection. Importantly, the company clarifies this is not a financial advisor, carrying no fiduciary duty.
Meanwhile, Perplexity recently launched a similar Plaid-connected product. OpenAI tested the feature with finance professionals, with GPT-5.5 Thinking scoring 79 on their internal benchmark. This follows a pattern of creating verticals for domains where ChatGPT is already heavily used.
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