ChatGPT personal finance function officially launched! Pro users can now let AI help you manage your money comprehensively OpenAI announced on May 15, 2026, the launch of the "Personal Finance" preview feature for ChatGPT Pro users, marking the first time ChatGPT has deeply integrated AI into the field of personal financial management. US Pro users can now securely connect their bank and investment accounts on the web version and iOS app, and AI can automatically analyze your income, expenses, investments, and liabilities, providing personalized insights and recommendations. Simply put, this is no longer just a 'chatbot', but your exclusive financial advisor assistant. How to connect your financial account? The function securely connects over 12000 financial institutions through Plaid technology (Intuit support is about to be launched). Users only need to authorize the connection in ChatGPT settings, and after verification, the system will automatically synchronize and categorize the data (which may take a few minutes). After connection, ChatGPT can read the following information: • Account balance • Transaction records • Investment portfolio • Liabilities (such as loans, credit cards) Important reminder: ChatGPT cannot see the complete account number, nor can it modify or transfer funds. Everything is in read-only mode. You can disconnect at any time on the "Settings>Apps>Finance" or wealth management page, and the synchronized data will be deleted within 30 days. Main Function Overview 1. Financial Dashboard - A clear overview page that displays real-time portfolio performance, monthly expenses, subscription fees, upcoming payments, and more, allowing you to quickly grasp where your money is going. 2. Insights - Combining your account information with self provided background (such as mortgage, savings goals, and life priorities), AI can identify consumption patterns, discover potential savings opportunities, and analyze the pros and cons of different choices. 3. Financial Memories - You can tell ChatGPT personal information, such as "I'm going to buy a car next year" or "I still owe my parents X million yuan in loans", and the system will permanently store these "memories" to make every conversation more personalized in the future. These memories can be viewed or deleted on the financial management page. 4. GPT-5.5 has powerful question and answer capabilities. The dialogue after connection is pre-set to use GPT-5.5 Thinking mode (Pro users can upgrade to GPT-5.5 Pro), which is specifically designed for deep reasoning on complex financial issues that require context. Internal testing shows that it scores as high as 79-82.5 points in the personal finance benchmark test. 5. Ecosystem integration: In the future, we will cooperate with Intuit and other companies to provide one-stop services such as credit card application, tax estimation, and appointment of tax experts. What can it really do for you? Actual usage scenario The most powerful aspect of this feature is feeding your real financial data to AI, allowing it to provide highly accurate personalized recommendations. The following are official examples and extended applications: • Budget planning and saving money 
 Enter "@ Finance helps me plan to save more money in the next few months", and AI will provide specific suggestions based on your actual consumption categories (such as dining, delivery, shopping), such as "setting the dining limit at $450 per month, you can save an additional $500~$750 per month". Tell it "I want to buy a car next year" or "I want to pay off my mortgage early" and the AI will combine your income, expenses, and investments to help you calculate how much you need to save each month, which subscriptions can be cut, and even suggest automatic transfer strategies. How much difference will there be in three years if I use this money to invest in ETFs instead of fixed deposits? AI will simulate using your actual investment portfolio data. • Daily financial decisions - "My credit card bill exploded this month, what should I do?" - "Can you help me compare two credit cards? Which one is more cost-effective?" - "What are the subscription services I can cancel Long term planning includes retirement planning, tax impact analysis, and even the possibility of directly applying for a credit card or scheduling expert consultations in the future. You can ask questions in normal mode without connecting your account, but the answers after connection will be hundreds of times more accurate, just like having a 24-hour non-stop private financial advisor who understands all your financial details. How to ensure privacy and security? OpenAI emphasizes that this is the 'highest level' of privacy protection: The data processing is the same as regular ChatGPT conversations, and can be adjusted in the settings to determine whether it is used for model training. When using Temporary Chat, your financial information will not be accessed at all. It is strongly recommended to enable Multi Factor Authentication (MFA) to protect the account. • Can disconnect and delete memories at any time. Of course, there are always risks in the online world, and some netizens have expressed concerns about data leakage in their tweets. However, OpenAI claims that this is currently one of the safest connection methods in the industry. Current limitations and future prospects Only available to Pro users in the United States (web and iOS), and will gradually open to Plus users with the goal of making everyone free of charge. This is still a 'preview version', and the initial synchronization will take a few minutes, and you still need to actively provide some background to maximize the effect. Important statement: This is not professional financial advice and cannot replace bank advisors or wealth managers. In summary, ChatGPT's personal finance feature takes "AI+real data" to a whole new level. It not only helps you look at numbers, but also understands your life goals, helps you make trade-offs, and develops executable plans. If you are already a Pro user, why not give it a try now - perhaps this is the first step on your path to financial freedom!