OpenAI launched a preview of its personal finance tool on May 15th for U.S. ChatGPT Pro subscribers, marking the deep integration of generative AI into high-sensitivity vertical financial scenarios. This feature allows users to connect ChatGPT directly to their personal bank accounts via the sidebar or the "@Finances" command in the chat window, enabling precise spending analysis, tracking of portfolio performance, and long-term financial planning forecasts spanning up to five years.
In terms of technology and ecosystem development, OpenAI has partnered with financial data provider Plaid, successfully connecting over 12,000 mainstream financial institutions, including Schwab, Fidelity, Chase, Robinhood, American Express, and Capital One. This strategic move is supported by OpenAI's recent acquisition of the personal finance startup Hiro, whose expertise has quickly been transformed into product capabilities.
To ensure contextual reasoning and logical reliability in complex financial scenarios, this feature is powered by a new GPT-5.5 model, and industry experts have established targeted capability benchmarks. In the future, OpenAI also plans to integrate Intuit support to unlock more advanced quantitative analysis, such as stock sale tax evaluation and credit card approval probability prediction.
Currently, over 200 million users are searching for financial questions in ChatGPT. This service is now available first on the web and iOS platforms, and will be rolled out to Plus users after collecting feedback from Pro users. With Anthropic's move into the health sector and Perplexity launching a financial research agent, OpenAI's initiative further confirms the industry trend of general large models evolving toward verticalization and agentic (agent-based) approaches. Under strict data isolation and a 30-day active deletion mechanism, this "AI + private financial data" integration is reshaping the interaction paradigm of personal asset management.
