OpenAI has added ChatGPT Finances to the ChatGPT desktop app, and you get it by updating the app. The feature is available to Free, Go, Plus and Pro users in the United States, so you no longer need a paid plan to connect your accounts.
ChatGPT Finances links your bank and investment accounts through Plaid and answers questions from your own balances and transactions. OpenAI introduced the personal finance experience as a Pro preview on May 15, and it follows Personal Finance in Claude, which Anthropic released in beta on November 5.
ChatGPT Finances now reaches Free users
The preview began on May 15 for Pro users in the United States on web and iOS. OpenAI opened it to Plus and Pro users on web, iOS and Android on June 25, then started rolling it out to Free and Go users on October 2.
ChatGPT Finances now covers more plans than Personal Finance in Claude, which Anthropic limited to the Pro, Max and Ultra plans in the United States. OpenAI describes the Free and Go launch as a rollout, so Finances may not show up on your account right away.
You open Finances from the sidebar, or you can type @Finances in any conversation and ask ChatGPT to connect your accounts. On the desktop app, you can also build custom financial tools.
🤑🤑🤑 Cha-ching 🤑🤑🤑
Finances are now in the desktop app.
Find ways to save, understand your spending, and make sense of your investments. You can also build custom financial tools.
Update the desktop app to get started. Finances is available to Free, Go, Plus and Pro users in the U.S.
— ChatGPT (@ChatGPT) November 11, 2026
What ChatGPT Finances can see
Plaid connects ChatGPT to more than 12,000 financial institutions. After you sign in, ChatGPT can see your balances, transactions, investments and liabilities, but it cannot see your full account numbers or make changes to your accounts.
The Finances page gives you a dashboard with your portfolio performance, spending, subscriptions and upcoming payments. You can ask ChatGPT about a savings goal, what a trip cost you or the risk in your investments, and it answers from your connected data and the goals you share. ChatGPT can also save a goal or a loan you mention as a financial memory, which you can view and delete on the Finances page.
OpenAI has since added weekly updates with insights on your finances, and credit monitoring tracks your credit score over time. You can also enter accounts by hand when you do not want to connect them.
Data controls and limits
Conversations that use your connected accounts follow the model-training setting you choose in Data controls, so you can check that setting before you connect anything. Temporary chats do not access your connected accounts and do not appear in your history.
OpenAI recommends turning on multi-factor authentication in your ChatGPT account settings. ChatGPT Finances is not a replacement for professional financial advice.
You can disconnect an account in the Apps section of Settings or on the Finances page, and OpenAI deletes the synced data from its systems within 30 days. Your conversation history stays, and you can delete individual conversations and financial memories yourself.
