OpenAI Launches Personal Finance Tools for Pro Subscribers

May 15, 2026, 16:00
USTechnology

Introduction

OpenAI has released a preview of personal finance tools for ChatGPT Pro users in the United States, allowing them to connect their financial accounts for automatic analysis.

Main Body

These new features were developed after OpenAI acquired the Hiro startup team in April. To make this work, OpenAI uses a service called Plaid, which connects to about 12,000 financial institutions, including major banks like Chase, Fidelity, and Schwab. Once connected, users can see a dashboard that shows their portfolio performance, spending, and debts. The company emphasized that the GPT-5.5 model's improved reasoning abilities are essential for answering complex financial questions accurately. This move shows that OpenAI is focusing more on specialized tools, similar to their health-related features and recent financial products from competitors like Anthropic and Perplexity. Regarding privacy, OpenAI has created rules that allow users to disconnect their accounts and delete their 'financial memories,' although it takes 30 days for the data to be fully erased. Furthermore, while the system can see balances and transactions, it cannot change account settings or see full account numbers. Users can also choose to share their data to help train the AI model.

Conclusion

Currently, the feature is only available for Pro users on the web and iOS. However, OpenAI may expand this to Plus users after they improve the tool based on early feedback.

Learning

⚡ The Power of 'Connecting' Words (Linking Logic)

At the A2 level, you likely use and, but, and because. To reach B2, you need to use Logical Connectors. These words act like bridges, showing the reader exactly how two ideas relate without using simple sentences.

Look at these three transitions from the text:

  1. "Furthermore" →\rightarrow Used when you are adding more information to a point.

    • A2: "It can see balances. And it can see transactions."
    • B2: "The system can see balances; furthermore, it can track transactions."

  2. "Although" →\rightarrow Used to show a contrast or a 'surprise' (a concession).

    • A2: "You can delete data. But it takes 30 days."
    • B2: "Users can delete their memories, although it takes 30 days for the data to be erased."

  3. "However" →\rightarrow Used to pivot the direction of the conversation.

    • A2: "It is for Pro users. Maybe Plus users can use it soon."
    • B2: "The feature is only for Pro users. However, OpenAI may expand this to Plus users."

🛠️ Vocabulary Upgrade: From General to Specific

B2 speakers stop using words like 'thing' or 'good' and start using Precise Terminology. Notice how the article describes the AI's brain:

"improved reasoning abilities are essential"

Instead of saying "The AI is smarter" (A2), we say "It has improved reasoning abilities" (B2).

Try this shift in your mind:

  • ❌ "The tool is useful for money." →\rightarrow ✅ "The tool provides automatic analysis of financial portfolios."
  • ❌ "They made new rules." →\rightarrow ✅ "They emphasized specific privacy rules."

Vocabulary Learning

acquired (v.)
to buy or obtain something, especially a company or property
Example:OpenAI acquired the Hiro startup team in April.
dashboard (n.)
a visual display of data that provides an overview of important information
Example:Users can see a dashboard that shows their portfolio performance.
portfolio (n.)
a collection of investments or assets owned by an individual or organization
Example:The dashboard displays the portfolio performance of each user.
performance (n.)
how well something works or achieves its goals
Example:The dashboard shows the performance of your investments over time.
spending (n.)
the act of using money to buy goods or services
Example:The dashboard also tracks your spending habits.
debts (n.)
money that is owed to others
Example:Users can view their debts alongside their investments.
improved (adj.)
made better or more advanced
Example:The GPT‑5.5 model has improved reasoning abilities.
reasoning (n.)
the process of thinking logically to reach conclusions
Example:The model’s reasoning helps answer complex financial questions.
essential (adj.)
absolutely necessary or very important
Example:Accurate answers are essential for reliable financial advice.
complex (adj.)
made up of many interconnected parts; difficult to understand
Example:The system can handle complex financial queries.
privacy (n.)
the state of being free from being observed or disturbed by others
Example:OpenAI has created rules to protect user privacy.
disconnect (v.)
to separate or detach a connection
Example:Users can disconnect their accounts at any time.
erase (v.)
to remove or delete something completely
Example:It takes 30 days for the data to be fully erased.
balances (n.)
the amount of money available in an account
Example:The system can see account balances but cannot change them.
transactions (n.)
records of money moving in or out of an account
Example:The dashboard displays recent transactions for each user.