ChatGPT Introduces Personal Finance Feature for Pro Users
Hızlı Bakış
- OpenAI has launched a new personal finance feature within ChatGPT, allowing Pro users in the US to connect bank and investment accounts.
- The tool, powered by GPT-5.5, offers spending insights, subscription tracking, and financial advice, with plans for wider availability.
Yapay zekâ özeti
Neden Önemli?
OpenAI has introduced a new personal finance feature within ChatGPT, initially available to Pro users in the US. This feature allows users to connect their financial accounts to gain insights into their spending, investments, and subscriptions. The company acquired the personal finance startup Hiro, whose team contributed to this new functionality.
OpenAI has rolled out a new personal finance feature inside ChatGPT. In short, you can now connect your bank accounts, credit cards and investment accounts directly to ChatGPT, and it'll help you make sense of your money. For now, it's only for Pro users in the US, the ones paying $200 a month. Plus users get it later, and OpenAI says it'll eventually open up to everyone.
How it works, and what you can actually ask it
Once you connect an account, ChatGPT shows you a dashboard of where your money is going—spending, investments, active subscriptions and upcoming payments, all in one place. It connects to more than 12,000 institutions through Plaid, including Chase, Schwab, Fidelity, Robinhood, Amex and Capital One. From there, you can ask it the kind of questions you'd normally avoid: am I spending more than usual, can I afford a house in five years, which subscriptions am I still paying for and forgot about. The chats run on GPT-5.5 Thinking by default, OpenAI's newer reasoning model. Pro users also get GPT-5.5 Pro, which OpenAI says handles more complex money questions better. To start, open Finances from the sidebar, or just type "@Finances, connect my accounts" in any chat.
What it can see, what it can't, and how to pull the plug
ChatGPT can read your balances, transactions, investments and liabilities. It cannot move money or see your full account numbers. If you change your mind, you can disconnect any account, and the synced data is wiped within 30 days. You can also delete "financial memories"—context ChatGPT holds on to, like a mortgage or money you owe your parents, so future answers feel more personal. Temporary chats don't touch your accounts at all. The feature comes a month after OpenAI bought personal finance startup Hiro, whose team helped build this, though the company won't say how much. Intuit support is coming next, which should bring tax estimates on stock sales and credit card approval odds inside ChatGPT.
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Bundan Sonra Ne Olabilir?
Yapay zekâ öngörüsü — kesinlik taşımaz
The personal finance feature will eventually be rolled out to Plus users and then to all ChatGPT users.
Çok muhtemel · Aylar içinde
Intuit's tax estimation and credit card approval features will be integrated into ChatGPT.
Muhtemel · Aylar içinde
Concerns regarding data privacy and security will increase as more users adopt the feature.
Muhtemel · Orta vadede
Açık Sorular
- What specific data points are shared with OpenAI beyond what is stated?
- What are the long-term security implications of connecting financial accounts to an AI model?
- How will the feature be monetized for Plus users and eventually for everyone?
- What is the exact cost of the Hiro acquisition?
