ChatGPT Moves Into Personal Finance With Tools to Analyze Spending and Subscriptions
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OpenAI has launched a new personal finance experience inside ChatGPT that allows some users to connect bank accounts, credit cards and investments to get direct insights into spending, subscriptions, upcoming payments and their broader financial picture.
The feature is currently rolling out gradually to ChatGPT Pro users in the United States on web and iOS. It works through Plaid, a financial data platform that connects supported accounts, and OpenAI says the experience supports more than 12,000 financial institutions.
Once accounts are connected, users can ask ChatGPT personal finance questions such as where their money is going, which subscriptions they pay for, how spending has changed and whether a major upcoming expense fits their situation.
The experience includes a finance dashboard showing spending, bills, subscriptions, net worth, investments and upcoming payments in one place. OpenAI says ChatGPT cannot transfer money, pay bills or take financial action on behalf of users.
OpenAI also says connecting accounts is optional, users can disconnect them at any time, and synced financial account data is deleted from OpenAI’s systems within 30 days after disconnection. The company stresses that ChatGPT is not a replacement for professional financial advice.
The feature is not broadly available in Canada yet, but it signals a major shift in how AI could be used to manage everyday money, while also raising privacy questions around linking sensitive banking data to a chatbot.
