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OpenAI has launched personal finance tools in ChatGPT, giving Pro subscribers in the US the ability to connect financial accounts and query spending, portfolio performance, subscriptions, and upcoming payments through the ChatGPT interface.

The product integrates with Plaid, reaching over 12,000 financial institutions. Supported at launch: Charles Schwab, Fidelity, Chase, Robinhood, American Express, and Capital One. Intuit support is planned — which would extend the system to tax-impact analysis and credit card approval probability.

The Hiro Connection

OpenAI acquired the team behind personal finance startup Hiro in April 2026, backed by Ribbit Capital, General Catalyst, and Restive. That acquisition, disclosed at the time as a talent-plus-IP deal, has produced a live product within one month. The Hiro founders’ specific role in the build has not been detailed beyond “their expertise in finance was useful.”

The move is significant in context. OpenAI disclosed that over 200 million users already ask financial questions in ChatGPT every month without any structured tooling behind those answers. The new product converts those free-text queries into connected, data-grounded responses.

What’s in the Product

• Dashboard: Portfolio performance, spending categories, active subscriptions, upcoming payments
• Connected accounts: Linked via Plaid — the same infrastructure underlying most fintech apps
• Model: GPT-5.5, which OpenAI says is stronger at financial reasoning with context than prior models
• Access entry: “Get started” in the Finances sidebar, or @Finances, connect my accounts in chat
• Platform: ChatGPT on web and iOS for Pro users
• Geography: US only at launch

OpenAI created an internal benchmark specifically for personal finance questions to train and evaluate GPT-5.5 on this use case — the first disclosure of a domain-specific fine-tuning step beyond the base model for a ChatGPT consumer feature.

The Bigger Play

Personal finance is one of the highest-intent categories in consumer software. Mint had 27 million users at peak. Credit Karma was acquired for $8.1 billion. The combination of a 200M-user distribution with a model capable of reasoning across accounts, income, and tax implications is a product surface that purpose-built fintech apps cannot easily replicate.

The immediate competitive pressure falls on Plaid itself (now a connector rather than a destination), on Intuit’s personal finance and TurboTax interfaces, and on consumer-facing wealth tools from Fidelity and Schwab — all of which are now competing with the interface users are already in daily.

OpenAI plans to expand access to Plus users after Pro-tier feedback shapes the product further. No timeline has been disclosed.