OpenAI launches "ChatGPT Personal Finance" feature: Connects to real bank accounts to help you calculate expenses and plan mortgages

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Say goodbye to rigid bookkeeping apps and let AI help you calculate every penny! OpenAI announced today (15th) the launch of its revolutionary "ChatGPT Personal Finance Experience," with the first wave of trials available to Pro users in the US. By securely connecting to bank and investment accounts and leveraging the latest GPT-5.5 Thinking model, ChatGPT can now understand your actual income, expenses, and investment performance, providing highly specific savings and repayment plans. The company emphasizes that the system operates in an absolutely secure "read-only" mode, with future plans to integrate Intuit tax experts and one-click card application features, completely disrupting traditional financial management models. (Previous coverage: Lawyer Lin Shang-lun: Claude is gaining ground, is OpenAI waving the white flag? The multi-model selection on top-tier platforms reveals the truth) (Background supplement: OpenAI rumored to sue Apple for "breach of contract"! Furious that Siri's integration of ChatGPT fell short, billions in subscription revenue lost) Artificial intelligence can not only help you write code and create presentations, but now it’s also going to help you manage your wallet! OpenAI officially announced today (15th) the launch of a new "Personal Finance Experience" preview for ChatGPT Pro users in the US. This long-awaited, heavyweight feature marks the AI giant's official entry into the real financial lives of consumers. In the past, over 200 million people used ChatGPT every month to ask for budget planning or investment advice. However, due to a lack of "real data," the AI could often only provide generic, canned advice like "eat out less" or "cancel subscriptions." To address this pain point, OpenAI has chosen to partner with financial data infrastructure giant Plaid. Users can now securely connect ChatGPT to over 12,000 financial institutions. Once synced, a dedicated "Dashboard" will appear within ChatGPT, allowing users to grasp at a glance: - Investment portfolio performance - Monthly spending and cash flow categorization - Existing subscription services - Upcoming bills and payments This new feature defaults to using OpenAI's newly released GPT-5.5 Thinking reasoning model. The model has undergone internal benchmarking by over 50 financial professionals and is capable of handling complex, highly context-dependent problems. For example, once you connect your accounts, if ChatGPT notices you have spent too much on "dining out" over the past two months, it won't just tell you to save money; it will provide precise targets: "It is recommended to cap dining out at $450 per month and shopping at $300, which would allow you to save an additional $500 to $750 per month." It can even calculate monthly repayment plans for your mortgage. Furthermore, the system introduces a "Financial memories" feature, where users can tell the AI they "plan to buy a car next year" or "owe money to family," and this context will make future conversations more coherent. Regarding sensitive financial data, OpenAI emphasizes the highest level of security: - Absolute read-only: ChatGPT can only read balances, transactions, and liabilities; it cannot see your full account numbers and absolutely cannot modify accounts or move funds. - Disconnect at any time: Users can disconnect at any time in settings, and the system will permanently delete all synced data within 30 days. - Controllable model training: Whether data is used for model training is entirely subject to the user's existing privacy settings. OpenAI's ambition goes beyond providing advice; it hopes to help users "take action." The company revealed plans to integrate credit card recommendations and directly assess approval odds in the future; it may even assist in booking appointments with tax experts from partner Intuit when users ask about tax implications of selling stocks. This feature is currently available in preview to ChatGPT Pro users in the US (web and iOS versions). It will be gradually expanded to Plus users based on feedback, and eventually opened to everyone. However, OpenAI specifically reminds users that ChatGPT is designed to help users understand their situation and cannot replace professional, licensed financial advisors.

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