Finances is currently available to Pro users in the United States in ChatGPT on web and iOS. We’re rolling it out gradually, so some eligible users may not see it right away.
Pro users in the U.S. can now securely connect their financial accounts, see a dashboard of where their money is going, and ask ChatGPT questions grounded in their financial context.
You can ask questions in chat or use the Finances page to view spending, bills, subscriptions, net worth, and investment information in one place.
Pro users in the U.S. can connect financial accounts through Plaid. Plaid lets you securely connect your accounts at more than 12,0000 supported banks, credit cards, brokerages, and other financial institutions and permission to share your data with ChatGPT so that it can use your real financial context and, with your permission, to provide more personalized answers.
Finances in ChatGPT is available to Pro users in the US only, on Web and iOS.
What you can do with connected finances in ChatGPT
You can use ChatGPT to ask questions and get answers about managing your finances. Get help with:
Understanding where your money is going
Tracking spending by category
Finding subscriptions and recurring bills
Reviewing upcoming payments
Comparing spending this month with recent trends
Seeing your net worth over time
Reviewing your portfolio allocation
Understanding daily changes in your stock and ETF holdings
Planning budgets, savings goals, debt payoff, and major purchases
ChatGPT can also help explain tradeoffs. For example, it can provide information that helps you think through topics like debt, building an emergency fund, increasing retirement contributions, or moving idle cash into a higher-yield account.
For taxes, ChatGPT can help organize information, explain concepts, and identify possible areas to review, such as deductions or estimated payments. It does not replace a tax professional and does not file your taxes. ChatGPT is not a fiduciary, registered investment adviser, broker-dealer, tax preparer, or law firm. Responses are for informational and planning purposes only. You are responsible for your financial decisions, and you should consult a qualified professional before making decisions with legal, tax, or investment consequences.
Your financial accounts stay under your control
ChatGPT can help you understand, plan, and evaluate financial decisions, but it cannot take financial actions for you.
ChatGPT cannot:
Move money
Pay bills
Change account settings
Make trades
Change retirement contributions
Open or close financial accounts
File taxes
Act as your financial, legal, tax, or investment adviser
Syncing and connection status
After you authenticate, ChatGPT will begin syncing and categorizing your data, which may take a few minutes In some rare cases, syncing may take longer and require multiple hours before completing.
Connected account data syncs automatically. The Finance page shows when your accounts last synced and whether any account needs attention.
If a connection needs attention, you may need to reconnect the account, complete an action with your financial institution, or update your login information.
How to connect an account
To get started, open Finances from the sidebar in ChatGPT and select ‘Get started.’ You can also start a conversation from anywhere in ChatGPT by saying ‘@Finances, connect my accounts’.
ChatGPT will then guide you through securely linking accounts through Plaid, with Intuit support coming soon. After you authenticate, ChatGPT will begin syncing and categorizing your data, which may take a few minutes.
Open ChatGPT and click on More -> Finances in the left-hand sidebar.
Click on Get Started under Get personalized financial insights.
Connect with Plaid to continue.
Sign in and select the financial institutions you want to connect.
Return to ChatGPT to start using Personal Finance.
After you connect, ChatGPT may analyze recent account activity and show starter prompts, finance widgets, and a summary of useful insights.
Understanding the Finances dashboard
The Finances dashboard gives you a dedicated place to view your financial context and ask finance questions. It includes your connection status, last sync time, starter prompts, and finance widgets.
Depending on your connected data, you may see widgets for:
Spend by category, to show where your money is going each month
Spend this month, to compare current spending with recent trends
Upcoming payments, to preview expected bills and recurring charges
Subscriptions, to review active subscriptions, amounts, cadence, and next charge dates
Bills, to track recurring household and utility payments
Net worth, to show how your net worth has changed over time
Portfolio distribution, to show allocation across assets such as equities, bonds, ETFs, cash, and crypto
Market update, to show daily changes, current value, and position size for equity holdings
You can customize the dashboard order and show or hide widgets by clicking the pencil icon in the top right of the dashboard. Please note that these widgets appear when ChatGPT has enough connected data to generate them.
Ask questions in chat
You can ask finance questions from the Finance page or in a regular ChatGPT conversation. When your question relates to your connected finance data, ChatGPT can use that context to answer. You can also use type /finances or @finances in the chat box.
Try questions like:
“Where did I spend the most money this month?”
“What subscriptions am I paying for?”
“What bills are coming up?”
“Am I on pace to stay within my grocery budget?”
“How has my net worth changed recently?”
“How is my portfolio allocated?”
“Do I have any duplicate payments?”
“How much cash should I keep in checking?”
“What’s a practical plan to pay down my credit card debt?”
When ChatGPT uses connected finance data, it may cite the relevant source data so you can review where the answer came from.
Financial memories
Beyond connected accounts, you can share important context about your financial life, such as a mortgage, a savings goal, or a major purchase you’re planning.
For example, you can tell ChatGPT:
“I’m saving up to buy a car early next year.”
“I still owe my parents [amount] for the loan they gave me.”
“My rent is split with my partner.”
“I want to keep at least [amount] in checking.”
ChatGPT can save this context to your Financial memories and use it to make future finance conversations more relevant.
Financial memories help ChatGPT connect your accounts, goals, and shared context instead of treating every question in isolation. You can view or delete Financial memories at any time from the Finances page via the three-dot menu.
Managing your connected financial data
You can manage your connected financial data in two places.
In Settings, you can disconnect Finances. Disconnecting Finances removes your connected financial data from ChatGPT. This is also where you can manage Financial memories.
In the Accounts tab on the Finances page, you can manage individual connected accounts. You can view each account’s connection status, see whether an account needs attention, remove an account, and fix connection errors when needed.
Your existing ChatGPT data controls apply to Finances. You can review or change those controls in ChatGPT settings.
Removing financial data from ChatGPT
You are always in control of your information:
Disconnecting accounts: You can disconnect your financial accounts at any time in Settings > Apps > Finances, or from the Finances home page. Once disconnected, your synced account data will be deleted from OpenAI’s systems within 30 days. Disconnecting an account will not affect financial information in your ChatGPT conversation history, but you can delete individual conversations at any time.
Deleting financial memories: ChatGPT can remember key details you share in Finances, like goals, obligations, or context about your money, to make future financial conversations across ChatGPT more relevant and personalized. These are saved as financial memories, a dedicated type of memory used specifically to inform financial conversations. You can view or delete them at any time from the Finances home page.
Temporary chats: When you use temporary chats, ChatGPT won’t access your connected financial accounts, use or create memories for personalization. Temporary chats will not appear in your history.
Data, memories, and accuracy
Why does my connected financial account have limited or no historical data?
ChatGPT can only show the financial data your institution makes available through the connection.
In some cases, a financial institution may provide limited historical data.
Why did my account connect but not show all my data?
Some accounts can connect successfully but may not provide every type of data used by Finances in ChatGPT.
For example, an institution may share balances but not full transaction history, investment holdings, loan details, APRs, due dates, or other fields.
If something looks incomplete, check the account’s connection status and last sync time. You can also ask ChatGPT what data it used in an answer, or give ChatGPT missing context and ask it to remember that context for future finance conversations.
Why is my spending breakdown inaccurate?
Your spending breakdown depends on the transactions ChatGPT can see and how those transactions are categorized.
A spending breakdown may look inaccurate if transfers, credit card payments, reimbursements, or duplicate pending transactions are counted as spending. And as always, AI can make mistakes.
You can ask ChatGPT to explain which transactions were included, reclassify anything that looks wrong, and remember relevant corrections for future finance conversations.
Why does a dashboard card or widget look inaccurate?
Dashboard cards and widgets in Finances are based on the account data ChatGPT can currently access.
A card may look inaccurate if your accounts are still syncing, a connection needs attention, your institution has not shared the latest data, or some accounts or transactions are missing.
You can ask ChatGPT what data it used for a dashboard card, why a number looks different than expected, or to reclassify transactions that seem wrong. You can also give ChatGPT additional context and ask it to remember that context for future finance conversations.
How can I add unsupported or manual accounts?
Finances works best when your accounts are connected through Plaid.
If an account, asset, loan, or other financial detail is not supported, you can still tell ChatGPT about it in a finance conversation. For example, you can share information about a property, private loan, savings goal, planned purchase, or other financial context you want ChatGPT to consider.
ChatGPT can save key details you share as financial memories to make future finance conversations more relevant. You can view or delete financial memories from the Finances home page.
Is my financial data used for model training?
Your conversations with Finances follow the same model training settings you choose across ChatGPT. You can change this setting any time in Settings > Data controls.
When you use temporary chats, ChatGPT does not use those chats to create or update memories.
About Plaid
Connecting financial accounts with Plaid
ChatGPT Personal Finance uses Plaid to help you securely connect supported financial accounts. Plaid lets you share specific financial data with apps and services you choose, including ChatGPT, so they can provide the features you requested.
When you connect an account, Plaid helps establish a secure connection between ChatGPT and your financial institution. This lets ChatGPT use your connected financial context to help with spending, bills, subscriptions, savings, net worth, investments, and other personal finance questions.
You choose which accounts to connect.
What is Plaid?
Plaid helps people securely share financial data with over 9,000 apps and services they choose. Plaid’s mission is to unlock financial freedom by giving people control of and access to their own financial data. You can learn more about why Plaid is involved, and how Plaid works.
In ChatGPT Personal Finance, Plaid helps connect your financial accounts to ChatGPT so ChatGPT can provide personalized finance features using your connected account information.
How does Plaid work?
Many financial apps and services need access to financial data to provide the features users request. For example, a budgeting app may ask to connect to your bank account so it can help track expenses.
Plaid helps power these connections. When you choose to link your bank account, Plaid securely shares the financial data needed by the app or service you’re using and establishes a secure connection that you control.
Plaid builds and maintains connections to more than 12,000 financial institutions. This helps apps and services connect accounts securely without building separate integrations with every financial institution.
Is Plaid safe?
Your financial information is personal, and security is a top priority for Plaid.
Plaid’s information security program is designed to meet or exceed industry standards, and Plaid uses multiple controls to help keep personal information safe. Plaid is certified in internationally recognized security standards, including ISO 27001 and ISO 27701, and is SSAE18 SOC 2 compliant.
Can I remove app access or delete my data from Plaid?
Yes. If you connected your accounts to Finances in ChatGPT through Plaid, you can remove that connection from ChatGPT. When you disconnect Finances or remove a connected account, synced account data is deleted from OpenAI’s systems within 30 days, and data associated with that ChatGPT connection is deleted from Plaid within 30 days in accordance with Plaid’s policies.
You only need to manage your data directly with Plaid if you’ve also used Plaid to connect your financial accounts to other apps or services outside of ChatGPT. Disconnecting Finances in ChatGPT removes the ChatGPT connection, but it does not affect other Plaid connections you separately authorized. To review or delete those other connections, you can use Plaid Portal or Plaid’s Privacy Request Form.
For more information, please refer to Plaid’s Help Center. Plaid may still require information to confirm your identity to complete the request and may retain some information as permitted or required by law. You can visit the Plaid’s Retention Practices section of their End User Privacy Policy to learn more.
Troubleshooting Plaid connections
Why can’t I find my bank, credit card issuer, brokerage, or other financial institution?
Your bank, credit card issuer, brokerage, or other financial institution may not be available for this connection. This can happen if:
The institution is not yet supported by Plaid
The institution is supported by Plaid but does not support the data needed for Finances in ChatGPT
Plaid previously supported the institution but cannot reliably connect to it right now
If you can’t find your institution, check whether it appears under another name. If it still does not appear, it may not be available for this connection.
Why can’t I connect or refresh my account?
A connection can fail for a few reasons. Your login information may be incorrect, your account may be locked, your financial institution may be temporarily unavailable, or your institution may need you to complete a security step before sharing data.
First, sign in directly to your financial institution to make sure your login works and to complete any prompts you see there. Then return to Finances in ChatGPT and try connecting or refreshing the account again.
How do I fix an invalid credential or username error?
First, confirm that your username and password work by signing in directly to your financial institution. Then try connecting again through Plaid without using autofill or a password manager.
Check for capitalization errors, typos, and extra spaces. Plaid may treat usernames and passwords as case-sensitive even if your financial institution does not.
If you changed your username after first connecting your account, remove the existing connection and connect the account again.
What does “action required” mean?
“Action required” means your financial institution needs you to complete a step before your account can connect or refresh.
This may include entering a multi-factor authentication code, answering a security question, accepting updated terms, resetting your password, updating contact information, unlocking your account, or enabling third-party data sharing.
Sign in directly to your financial institution, complete any required steps, then return to ChatGPT and try again.
Why is my financial institution temporarily unavailable?
Sometimes a financial institution may be down, slow to respond, or temporarily unable to share data. This does not always mean your login information is wrong.
If this happens, wait and try again later. If your account was already connected, Finances may continue showing the latest data from your last successful sync until the connection can refresh.
How can I contact Plaid Support?
If you need help with Plaid, visit Plaid’s help center at my.plaid.com/help. From there, you can use the chat icon on the lower-right side of the support page to contact Plaid’s Support team.