OpenAI · GPT · ChatGPT · U.S. · Decrypt
ChatGPT has been giving generic budgeting advice for years
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But some people wanted more—for some reason.
Key facts
- GPT-5.5 Thinking—the default model for the Finances feature—scored 79 out of 100 on that benchmark
- Plaid uses bank-level encryption, doesn't store your bank credentials, and has processed over 150 million connections across 12,000+ institutions without a major breach
- OpenAI acquired Hiro Finance last month—a fintech startup that had billed itself as an "AI personal CFO." The deal was effectively an acqui-hire, with the Hiro team folding into OpenAI as Hiro's
- The feature works through Plaid, the financial data infrastructure that already powers Venmo, Robinhood, and thousands of other fintech apps
Summary
ChatGPT can now connect to over 12,000 financial institutions via Plaid, giving it read-only access to your balances, transactions, and subscriptions. The feature launches in preview for ChatGPT Pro users in the U.S. and defaults to GPT-5.5 Thinking, OpenAI's latest reasoning model. OpenAI acquired two AI finance startups in the past year—Roi and Hiro—to build toward this moment. If you are one of those people, OpenAI launched a personal finance feature in ChatGPT that connects to your actual bank accounts and answers money questions based on what you've spent—not what the average American spends. The feature works through Plaid, the financial data infrastructure that already powers Venmo, Robinhood, and thousands of other fintech apps.