ChatGPT Adds Personal Finance Tools Through Plaid, Connecting More Than 10,000 Financial Institutions

OpenAI says more than 200 million people worldwide use ChatGPT each month for budgeting, investing and financial planning. Its partnership with financial data platform Plaid takes generative AI beyond general-purpose queries and into personal asset management. The system consolidates bank, credit-card and investment data on a read-only basis, while also drawing greater scrutiny to financial privacy and accountability for AI-generated advice.

OpenAI launched a U.S. preview on May 15, 2026, initially limiting access on the web and iOS to ChatGPT Pro subscribers paying $200 a month. The feature uses GPT-5.5 Thinking. Plaid currently supports more than 9,600 financial institutions, a figure set to exceed 12,000 after its Intuit integration. The tool can analyze spending, bills and investments, and synchronized data is deleted within 30 days after an account is disconnected.