More than 200 million people ask ChatGPT about money every month. Starting today, they can skip the generic answers. OpenAI has launched personal finance tools for ChatGPT Pro subscribers in the US, letting users connect their bank accounts, investment portfolios, and credit cards directly to the chatbot.

The integration, which is driven by Plaid, provides access to over 12,000 banks, such as Chase, Fidelity, Schwab, Robinhood, American Express, and Capital One.

Upon connecting, users get a live dashboard that displays information about their portfolio performance, spending habits, current subscriptions, and upcoming payments in ChatGPT.

Rather than querying ChatGPT with general queries like "Do you think I've spent more lately?," or "Can you help me make a plan for buying a home in my area within the next five years?" they allow users to query the chatbot with contextually relevant inquiries.

OpenAI acquired the team behind personal finance startup Hiro in April and said their expertise shaped this launch. The company also notes that its latest reasoning model excels at handling the complex, context-dependent logic financial questions demand.

Users access the tool via the "Finances" sidebar option or by typing "@Finances, connect my accounts" in a conversation. Plaid guides the connection process. Data syncs securely, and users maintain full control: disconnect anytime through Settings > Apps > Finances, and synced data vanishes within 30 days. Users can also manually delete financial memories.

OpenAI plans to add Intuit support soon, enabling tax-impact analysis and credit approval prediction features that require deeper financial context.