A new personal finance experience in ChatGPT

# A new personal finance experience in ChatGPT Source: [https://openai.com/index/personal-finance-chatgpt/](https://openai.com/index/personal-finance-chatgpt/) Today we’re releasing a preview of a new personal finance experience in ChatGPT to Pro users in the U\.S\. Now you can securely connect your financial accounts, see a dashboard of where your money is going, and ask ChatGPT questions grounded in your financial context – all while staying in control of your data\. We’re starting with a preview to a smaller group so we can learn from real\-world use, improve the experience, and expand thoughtfully\. Money touches nearly every part of life: where we live, what decisions we make, how we care for loved ones, what future we imagine\. But managing finances today often means piecing together accounts, apps, cards, loans, and spreadsheets just to know where things stand\. Even then, it can be hard to see the full picture or know what to do next\. People are already turning to ChatGPT for help:more than 200 million people come to ChatGPT every month for budgeting, questions about their investments, comparing different paths, planning for future goals, and more\. Recent advances in GPT‑5\.5 make ChatGPT stronger at reasoning through the complex, context\-dependent questions that personal finance often requires\. With your financial accounts connected, ChatGPT can combine that reasoning with your real financial context and what you’ve shared about your goals, lifestyle, and priorities, helping you spot patterns, understand tradeoffs, and plan for big decisions in a way that feels more personal and complete\. Now you can ask questions like: ChatGPT can help you stay informed and feel more confident managing your finances, but it is not a replacement for professional financial advice\. Starting today, we’re rolling out the ability for Pro users in the U\.S\. to connect their financial accounts in ChatGPT on web and iOS, with support for more than 12,000 financial institutions\. We’ll learn and improve from early use before rolling it out to Plus, with the goal of making it available to everyone\. ## How to get started ***Connect your financial information*** To get started, open Finances from the sidebar in ChatGPT and select ‘Get started’ or start a conversation from anywhere in ChatGPT by saying ‘@Finances, connect my accounts’\. ChatGPT will then guide you through securely linking accounts through Plaid, with Intuit support coming soon\. After you authenticate, ChatGPT will begin syncing and categorizing your data, which may take a few minutes\.  Once your accounts are synced, you can see a dashboard that gives you an up\-to\-date view of where you stand across portfolio performance, spending, subscriptions, upcoming payments, and more\. Beyond connected accounts, you can share important context about your financial life, like a mortgage, a savings goal, or a major purchase you’re planning for\. For example, you might tell ChatGPT: “I’m saving up to buy a car early next year” or “I still owe my parents \[X amount\] for the loan they gave me\.” ChatGPT can save that context to your Financial memories to inform future conversations\. That broader context is part of what makes this experience useful – instead of treating each question in isolation, ChatGPT can help connect the dots across your accounts, your goals, and what you’ve already shared, so the guidance is more personal and complete\. ## From answers to action, with ecosystem partners like Intuit The vision for ChatGPT is to go beyond answering questions to help users take action towards improving their financial lives, and we’re working with trusted ecosystem partners like Intuit to do this\. For example, a user could go from getting a credit card recommendation to understanding their approval odds and submitting an application, or from asking about tax implications of a stock sale to getting a trusted tax estimate and scheduling a session with a live, local tax expert, powered by Intuit and all inside ChatGPT\. ## Keeping your information private and secure Your financial data is sensitive, and we have built this experience to respect your privacy and ensure that you’re in control of your information\. When you connect your accounts, ChatGPT can access your balances, transactions, investments, and liabilities to help visualize your finances or answer your questions\. It cannot see full account numbers or make any changes to your accounts\. Your conversations with connected financial accounts follow the same model training settings you choose across ChatGPT\. You can change this setting anytime in[Settings \> Data controls⁠\(opens in a new window\)](https://chatgpt.com/#settings/DataControls)\. You are always in control of your information: - **Disconnecting accounts:**You can disconnect your financial accounts at any time in Settings \> Apps \> Finances, or from the Finances page\. Once disconnected, your synced account data will be deleted from OpenAI’s systems within 30 days\. Disconnecting an account will not affect financial information in your ChatGPT conversation history, but you can delete individual conversations at any time\. - **Deleting financial memories:**ChatGPT can remember key details you share, 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 page\. - **Temporary chats:**When you use temporary chats, ChatGPT won’t access your connected financial accounts\. Temporary chats will not appear in your history\. ## Designed and evaluated for accuracy and quality Conversations with connected financial accounts default to[GPT‑5\.5 Thinking⁠](https://openai.com/index/introducing-gpt-5-5/), our latest reasoning model in ChatGPT\. Financial questions are personal, complex, and highly context\-dependent\. A helpful response needs to account for someone’s income, spending, balances, debts, goals, and timing, while being clear about uncertainty, assumptions, and when more information is needed\. To better understand how well ChatGPT serves people in these moments, we built an internal benchmark that helps us evaluate response quality holistically based on criteria developed with experts\. We worked with over 50 finance professionals across leading institutions to evaluate this experience and grade ChatGPT’s performance on challenging personal finance tasks\. GPT‑5\.5 Thinking outperforms earlier models on complex personal finance tasks\. GPT‑5\.5 Pro, available for people on ChatGPT Pro, achieves the best overall performance\. \* Personal finance benchmark score across challenging finance tasks\. This is a weighted composite of expert\-graded response quality and response accuracy; higher is better\. GPT‑5\.5 Thinking, the default model in Finances, scored 79 out of 100 across the benchmark\. GPT‑5\.5 Pro scored 82\.5 out of 100\. This benchmark gives us a clearer way to measure progress, and we will continue to improve how ChatGPT handles complex personal finance tasks over time\. ## What our ChatGPT Pro community testers are saying > “Connecting my finances in ChatGPT helped me figure out how to pay off our mortgage with a realistic monthly plan I could actually follow\.” —Richard K\. Sohn, PsyD, psychologist