OpenAI brings personal finance experience to ChatGPT: Here is how it works

OpenAI has introduced a new personal finance experience in ChatGPT, allowing users to connect their financial accounts directly to the AI chatbot. The feature is currently being released as a preview for Pro users in the US and is available on the web and iOS. It aims to help people better understand their spending, savings, and financial goals.

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The move comes as more than 200 million users already rely on ChatGPT for help with money-related questions such as budgeting, saving, investment planning and more. By linking financial accounts, ChatGPT can provide answers based on a user’s real financial situation instead of general suggestions.

Personal finance experience in ChatGPT: How it works

To begin, users can open the Finances section from the ChatGPT sidebar and tap Get started. Another option is to type a request such as ‘@Finances, connect my accounts’ in a chat. ChatGPT will then guide users through the account connection process. After users verify their accounts, ChatGPT starts syncing and organising financial information, which may take a few minutes.

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Once connected, users get access to a dashboard that shows an overview of their finances. This includes details such as spending habits, subscriptions, upcoming bills, portfolio performance and more. The aim is to help users quickly understand where their money is going and make smarter financial decisions.

Users can also share personal financial details to make ChatGPT’s suggestions more relevant. For example, someone saving for a car or paying back a family loan can tell ChatGPT about those goals. The chatbot can remember these details through a feature called Financial memories.

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‘When you connect your accounts, ChatGPT can access your balances, transactions, investments, and liabilities to help visualise your finances or answer your questions. It cannot see full account numbers or make any changes to your accounts,’ the company explained.

OpenAI says users remain in control of their information. Connected accounts can be removed at any time, and synced financial data will be deleted from OpenAI’s systems within 30 days after disconnection. Users can also delete saved financial memories whenever they want. In temporary chats, ChatGPT will not access connected financial accounts or save chat history.

The new personal finance experience runs on GPT-5.5 Thinking, OpenAI’s latest reasoning model in ChatGPT.

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Ayushi Jain

Ayushi works as Chief Copy Editor at Digit, covering everything from breaking tech news to in-depth smartphone reviews. Prior to Digit, she was part of the editorial team at IANS. View Full Profile