ChatGPT can now be linked to bank accounts, will track your spending and savings

OpenAI has begun previewing a Finances feature in ChatGPT that lets Pro users link bank, card and investment accounts. The tool uses synced account data to answer personalised money questions while keeping users able to disconnect accounts and delete stored context.

In Short

• ChatGPT can now connect with bank accounts to track spending, savings and investments
• OpenAI’s new Finances feature creates personalised budgeting and money insights
• The feature is currently rolling out for ChatGPT Pro users in the US

ChatGPT can now help you save and track money, and not just by giving generic budgeting tips. OpenAI has started rolling out a new personal finance feature that lets users connect their bank accounts, credit cards and investment accounts directly to ChatGPT. The update turns the AI chatbot into something much closer to a personalised money assistant.

The new feature adds a dedicated “Finances” section inside ChatGPT. Once users link their accounts, they can see a dashboard showing spending habits, subscriptions, upcoming payments, savings, portfolio performance and other financial information in one place. OpenAI says the idea is to reduce the need to switch between multiple banking apps, spreadsheets and finance tools just to understand where your money is going.

Availability of the feature

Notably, for now, the feature is limited to ChatGPT Pro users in the US on web and iOS, with support for more than 12,000 financial institutions. OpenAI says it plans to study how people use the feature before expanding it to Plus users and eventually making it available more widely.

How to use Finances in ChatGPT

Getting started is fairly simple. Users can open the Finances tab from the ChatGPT sidebar and tap “Get started”, or type “@Finances, connect my accounts” directly into a chat.

ChatGPT then guides users through securely linking accounts using Plaid, the financial connectivity service already used by apps like Venmo and Robinhood.

OpenAI says support for Intuit will be added later. Once authenticated, ChatGPT begins syncing and categorising transactions and account data, which may take a few minutes.

After accounts are connected, ChatGPT can answer finance-related questions using a person’s actual financial situation instead of giving only generic budgeting advice. Users can ask things like why their spending has increased recently, whether they can afford a large purchase, how much they are saving every month, or how to plan for buying a house over the next few years.

The new update also allows ChatGPT to help with goal planning, travel spend analysis, subscription reviews, investment risks and scenario planning. In one example shared by the company, the assistant looked at recurring expenses and cash-flow patterns to suggest monthly spending limits for shopping, groceries and dining, while also recommending automatic transfers into savings.

The company is also introducing something called “financial memories”. This allows ChatGPT to remember details such as a mortgage, savings target or money owed to family members so future conversations feel more personalised and context-aware. According to OpenAI, this broader context helps ChatGPT connect the dots across accounts, goals and spending habits instead of treating every question in isolation.

As for privacy, OpenAI says ChatGPT can access balances, transactions, investments and liabilities after accounts are connected, but it cannot see full account numbers or make changes to bank accounts. Users can disconnect their accounts at any time, and OpenAI says synced financial data will be deleted from its systems within 30 days after disconnection. Temporary chats also do not access connected financial accounts or appear in chat history.

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