Finances is available in the U.S. to Free, Go, Plus and Pro users on web, iOS, and Android.
Eligible users in the U.S. can securely connect their financial accounts and credit report data, 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, investments, and your credit score in one place.
You can connect financial accounts through Plaid and credit report data through Experian. These are separate connections; you can use either or both.
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
Understanding your credit score, credit factors, and important changes to your credit report
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
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
Credit score, to review your Experian score, credit factors, and score history as monthly updates become available
Use the pencil icon to reorder widgets or choose which ones appear. Widgets are shown only when ChatGPT has enough connected data to generate them.
Why does a dashboard card or widget look inaccurate?
Dashboard cards and widgets use the connected data available to ChatGPT, including financial accounts through Plaid and credit reports through Experian. Check the source and date when comparing a widget with another app or statement.
For bank-account widgets, incomplete syncing or missing accounts and transactions can affect the result. Credit widgets reflect your latest Experian report, not live account activity; a recent payment may not appear until your lender reports it and your report updates.
You can ask ChatGPT which data it used and why a number looks different. It can help review transaction categories, but it cannot change information on your Experian credit report. For incorrect credit-report information, see the Experian support guidance below.
Ask questions in chat
You can ask finance questions from the Finances 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 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?”
“Which factors are affecting my credit score?”
“Which card contributes most to my credit utilization?”
“What should I understand about my credit before applying for a mortgage?”
When ChatGPT uses connected financial 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.
How can I add unsupported or manual accounts?
You can add financial context even when it is not available through a connected source.
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.
Managing your data and privacy
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.
You are always in control of your information:
Disconnecting sources: Bank accounts and credit reports are separate connections. See the Plaid and Experian sections below for removal details. Disconnecting a source does not delete information already in your conversation history; you can delete those conversations separately.
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.
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.
Financial accounts with Plaid
How to connect financial accounts
To get started, open Finances in ChatGPT and select Get started. You can also type @Finances, connect my accounts in any conversation.
ChatGPT will guide you through securely linking accounts through Plaid. After you authenticate, ChatGPT begins syncing and categorizing your data, which may take a few minutes.
Open Finances in ChatGPT and select Get started.
Select Connect with Plaid.
Sign in and select the financial institutions you want to connect.
Return to ChatGPT to start using Finances.
After you connect, ChatGPT may analyze recent account activity and show starter prompts, finance widgets, and a summary of useful insights.
Syncing and connection status
After you authenticate, ChatGPT begins syncing and categorizing your data. This usually takes a few minutes, but in rare cases it may take several hours.
Connected account data syncs automatically. The Finances 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.
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.
About Plaid
Finances in ChatGPT 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. You can disconnect Plaid accounts in Settings > Apps > Finances or from the Finances home page. 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.
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.
Credit reports and scores with Experian®
How to connect your credit report
You can track your credit score in ChatGPT separately from your bank accounts. Connecting accounts through Plaid does not connect your credit, and you do not need a bank connection to use the credit-score feature.
Ask ChatGPT to connect your credit score, or select the option to connect your credit score in the Finances home page.
Fill out and complete Experian's form to verify your identity and authorize access to your credit data. Make sure to enter personal information and verification codes in Experian's form, not in your conversation with ChatGPT.
Return to ChatGPT to view your score and ask questions about your credit.
OpenAI’s service provider, Experian, collects the information you enter for identity verification. OpenAI receives your connection status and the credit data you authorize Experian to share. Checking your score through this connection is a soft inquiry and does not affect your credit score.
What is Experian?
Experian is a consumer credit bureau. With your authorization, it provides your ongoing credit report, score, and monitoring alerts to ChatGPT. This connection is separate from financial accounts connected through Plaid.
What credit information can I see?
The credit-score feature shows your Experian credit report and VantageScore® 3.0 credit score. Select a factor to review more details, or ask ChatGPT about reported accounts, balances, credit limits, utilization, payment history, and inquiries. Available details may depend on what data is shared by Experian.
Why is my score different from one I see elsewhere?
ChatGPT shows your VantageScore 3.0 credit score based on your Experian credit report. Scores can vary across services and lenders because they may use different scoring models, credit bureaus, or report dates.
Read the full credit score disclosure.
How often are my score and report updated?
After you connect, your score and report will update monthly. Check the report date when reviewing information provided by the connected credit score and report. Credit score and report history builds as monthly updates become available; you may only see one score when you first connect.
Credit monitoring can alert you to important changes in your Experian credit report, such as a new inquiry, account, or address.
Why does my credit-report balance differ from my bank account?
Your credit report shows the balance your lender last reported to Experian, not a live balance. A recent payment or purchase may appear in your linked bank account before it appears on your credit report. Check the dates when comparing them.
Can I turn off credit alerts without disconnecting?
Yes. You can turn credit alerts off in your notification settings and keep your Experian connection. Your score and report will continue to update monthly.
What if something is wrong or I cannot connect?
If Experian cannot verify your identity, follow the instructions in its verification flow or contact Experian support. If your report is still processing, a score may not be available yet. For problems with the ChatGPT experience, contact OpenAI Support.
For issues with an unfamiliar account, incorrect report information, or suspected identity theft, contact Experian. ChatGPT cannot file a dispute, change your credit report, or freeze your credit for you.
Can I disconnect from Experian or delete my data?
You can disconnect from your Experian credit score and reports at any time, including without removing your bank connections. This means Experian will stop sharing credit scores and reports with ChatGPT, and OpenAI will also delete the underlying Experian credit report data from OpenAI systems within 30 days. Disconnecting does not remove information from past conversations or financial memories, which you can delete separately.
Disconnecting Experian from ChatGPT does not affect your credit file or any Experian services you use separately.
Credit score disclosure
VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.