OpenAI has introduced personal finance features to ChatGPT Pro, its premium consumer tier, now in preview for a limited number of U.S. users. The company plans to gather feedback before a broader rollout, potentially including free accounts.
Users link their bank accounts via Plaid, enabling ChatGPT to access data from over 12,000 financial institutions. Once connected, a dashboard displays spending trends, investment portfolios, and other key metrics. Subscribers can ask natural language questions to identify savings opportunities, such as canceling unused subscriptions or analyzing risky stocks.
The features rely on GPT-5.5 Thinking, OpenAI's latest reasoning-optimized model. It scored 60% on the FinanceAgent benchmark for financial tasks and set a record on FrontierMath Tier 4, a doctorate-level math challenge.
OpenAI also created a custom finance benchmark with over 50 financial professionals to refine ChatGPT’s performance. Future versions may automate tasks like credit card applications, estimating approval odds and submitting applications on behalf of users.