Who makes ChatGPT Personal Finance?

ChatGPT Personal Finance is made by OpenAI.

Does ChatGPT Personal Finance work in the EU?

Not in the EU. OpenAI's announcement describes rollout only to users in the U.S. (Pro, then Plus, then Free and Go), with no EU/EEA availability mentioned. Plaid-based account linking is described only for U.S. users. Last verified 14 Nov 2026.

How much does ChatGPT Personal Finance cost?

Freemium. Included in ChatGPT plans; launched for Pro, then Plus, and from October 2026 rolling out to Free and Go users, U.S. only. No separate price listed. Licence: Proprietary.

Where was ChatGPT Personal Finance shown?

In 2 creator videos by Matt Wolfe, AI Search. Most recently by Matt Wolfe on 22 May 2026, at 32:56 in "AI News: These Google Updates Are Dividing People".

ChatGPT Personal Finance

by OpenAI

Try it

ChatGPT feature that links financial accounts via Plaid to show spending dashboards and answer money questions.

Not in EULanguage Models ProductivityApp

Updated 14 Nov 2026EU status checked 14 Nov 2026Last shown 22 May 2026

ChatGPT Personal Finance at a glance

What is ChatGPT Personal Finance?: ChatGPT Personal Finance is an app from OpenAI. ChatGPT feature that links financial accounts via Plaid to show spending dashboards and answer money questions.
Who makes ChatGPT Personal Finance?: ChatGPT Personal Finance is made by OpenAI.
Does ChatGPT Personal Finance work in the EU?: Not in the EU. OpenAI's announcement describes rollout only to users in the U.S. (Pro, then Plus, then Free and Go), with no EU/EEA availability mentioned. Plaid-based account linking is described only for U.S. users. Last verified 14 Nov 2026.
How much does ChatGPT Personal Finance cost?: Freemium. Included in ChatGPT plans; launched for Pro, then Plus, and from October 2026 rolling out to Free and Go users, U.S. only. No separate price listed. Licence: Proprietary.
Where was ChatGPT Personal Finance shown?: In 2 creator videos by Matt Wolfe, AI Search. Most recently by Matt Wolfe on 22 May 2026, at 32:56 in “AI News: These Google Updates Are Dividing People”.

Sources: creator videos at the linked timestamps. EU status is information, not legal advice; see how we check.

About

Finances in ChatGPT (also called ChatGPT personal finance) is a feature inside ChatGPT that lets users connect bank, card, loan and investment accounts, mainly through Plaid, with Intuit support announced as coming. OpenAI says it supports more than 12,000 financial institutions. After syncing, ChatGPT categorizes the data and shows a dashboard covering portfolio performance, spending, subscriptions and upcoming payments.

Users can ask questions grounded in their own financial data, and can save context such as goals, a mortgage or a planned purchase to "Financial memories" for later conversations. Additions since launch include weekly insights, credit monitoring, stock watchlists, voice support, Android support and manual account entry. Creators reviewing it noted that ChatGPT cannot see full account numbers or change accounts, and one raised privacy and advertising concerns. OpenAI states it is not a replacement for professional financial advice.

It launched on 15 May 2026 as a preview for Pro users in the U.S. on web and iOS. On 25 June 2026 it extended to Plus and Pro users in the U.S. on web, iOS and Android. On 2 October 2026 it began rolling out to Free and Go users in the U.S. The provided pages describe availability only for the U.S.

Key features

Connect accounts via Plaid (12,000+ institutions)
Dashboard of spending, subscriptions, portfolio and upcoming payments
Questions grounded in your own financial data
Financial memories for goals and context
Weekly insights, credit monitoring, stock watchlists
Voice and manual account entry

2 moments

As seen on YouTube

Watch the moment: the exact second top creators show it. Videos load only when you press play, via youtube-nocookie.com.

Matt Wolfe22 May 2026

AI News: These Google Updates Are Dividing People

ChatGPT feature connecting bank accounts via Plaid to give finance guidance grounded in your data. Creator voices privacy and advertising concerns.

32:56Open on YouTube

AI Search17 May 2026

Real gundams, top 3D generator, open-source world models, ChatGPT updates, new TTS: AI NEWS

Personal finance experience in ChatGPT that connects accounts via Plaid, builds dashboards and answers questions using real financial data. It can't see full account numbers or change accounts. Preview for Pro users in the US on web and iOS.

31:12Open on YouTube