OpenAI is making ChatGPT a whole lot more useful for anyone who dreads checking their bank account. Today, the company launched a new personal finance management feature for US Pro users. It's a dashboard built right into ChatGPT that can connect to over 12,000 financial institutions through Plaid. Instead of just guessing how much you should save based on rough budgets, ChatGPT now pulls in your actual balances, transaction history, and debts. Powered by the new GPT-5.5 model, it generates highly specific financial diagnoses and adjustment plans.
Once you link your accounts, the system automatically categorizes your spending and creates a dashboard showing investments, daily expenses, and upcoming bills. If you ask for a savings plan, the model looks across your accounts to pinpoint exactly where you tend to overspend and suggests realistic cutbacks. OpenAI didn't just ship this feature and hope for the best — they roped in over 50 financial professionals to evaluate the model's responses. On an internal personal finance benchmark, the default GPT-5.5 Thinking model scored 79, while the higher-tier GPT-5.5 Pro scored 82.5.
But OpenAI isn't stopping at advice. The company plans to turn this into a full-fledged business operations portal. They're already planning to integrate Intuit's services, so soon you'll be able to check your credit card approval odds or calculate tax implications — then apply for a card or book a tax expert directly from the chat. Don't worry about the AI going rogue: the system has read-only access and can't move your money. You can revoke access at any time, and all synced data is permanently deleted within 30 days.