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ChatGPT for Personal Finance
Posted on 5/17/26 at 10:33 am
Posted on 5/17/26 at 10:33 am
LINK
quote:
OpenAI launches ChatGPT for personal finance.
The AI company yesterday announced a new suite of personal finance tools for US-based ChatGPT Pro subscribers. Users can connect accounts from over 12,000 financial institutions—including Schwab, Fidelity, and Robinhood—to the chatbot and receive personalized financial breakdowns. Over 200 million users already ask financial questions to ChatGPT every month, according to OpenAI.
quote:
The new product comes just one month after OpenAI acquired the team behind personal finance startup Hiro, which was backed by firms like Ribbit, General Catalyst, and Restive, in April. OpenAI said that the Hiro team’s expertise in finance was useful in launching this product but didn’t specify if the entire feature was built by them.
OpenAI users can access the tool by selecting “Get started” in the “Finances” option in the sidebar, or typing “@Finances, connect my accounts” in a ChatGPT conversation. Once users do that, the chatbot will guide them about linking accounts through Plaid. The company said it plans to support Intuit soon, which would enable analysis such as the impact of a stock sale on taxes or the odds of a credit card approval.
This post was edited on 5/17/26 at 10:42 am
7
Posted on 5/17/26 at 11:04 am to Everyday Is Saturday
Who needs chatgpt when you have bayoubengal88? Lol
This post was edited on 5/17/26 at 11:05 am
Posted on 5/17/26 at 11:50 am to Everyday Is Saturday
Fishing for user growth before IPO
Posted on 5/17/26 at 2:17 pm to UltimaParadox
quote:
Fishing for user growth before IPO
Investment Bankers are better marketers at IPO time.
Posted on 5/17/26 at 2:47 pm to UltimaParadox
quote:
Fishing for user growth before IPO
Setting up the nuclear option for getting people to buy into the IPO.
Posted on 5/17/26 at 3:03 pm to Everyday Is Saturday
Zero chance I’m giving Sam Altman my data. High likelihood it’s not handled properly, or worst case sold
Posted on 5/17/26 at 3:20 pm to Everyday Is Saturday
I’m actually a bit concerned about the access being granted. Financial info combined with all your other queries provides quite a bit of data to OpenAI.
Posted on 5/17/26 at 3:23 pm to Upperdecker
quote:
Zero chance I’m giving Sam Altman my data. High likelihood it’s not handled properly, or worst case sold
I got scolded bad on here when i asked if anyone had reservations about it
Posted on 5/17/26 at 7:09 pm to Upperdecker
quote:
Zero chance I’m giving Sam Altman my data. High likelihood it’s not handled properly, or worst case sold
What exactly do you think the "free" services like RocketMoney, etc. do? This shite is at least as old as Yodlee, Experian, TransUnion, Visa, MC, AMEX, and Equifax.
They don't sell your data, they sell the transaction level data (anonymized) of a married father of two that lives in zipcode X, is college educated, and was recently divorced and buys cars that "aspirational." Equifax had nearly 200 consumer profiles when I worked there 2 decades ago. Where do you think junk mail came from?
Posted on 5/17/26 at 7:45 pm to Everyday Is Saturday
quote:
OpenAI launches ChatGPT for personal finance.
The comment I originally came here to post...
I don't know how much of the general user pop will understand that lying to ChatGPT the way people lie to their neighbors or in laws about their financial situation or goals is counter productive. One has to ask questions like, "You told me we spent 22,000 in travel ball expenses last year, is that typical for our age, income, and location," and be prepared for the answer.
Posted on 5/17/26 at 8:04 pm to Everyday Is Saturday
Note the bold risks and controls (need Pro tier to use currently, not free/go/plus.)
quote:
For someone like you, the actually useful use cases are probably less “daily latte budget” and more:
separating LLC vs personal cash flow
identifying deductible business expenses
invoice/payment reconciliation
quarterly tax reserve tracking
recurring SaaS/subscription cleanup
travel spend analysis
detecting “death by a thousand vendor renewals”
projecting runway during consulting transitions
correlating tolls/mileage/travel with engagements
The important distinction:
It is not magically acting as your fiduciary, CPA, or autonomous trader. It’s more like a very fast analyst sitting on top of your transaction history. Sometimes brilliant, sometimes confidently hallucinating that Home Depot was “wellness spending.” Humanity outsourced accounting to merchant category codes and now wonders why the machine thinks beef jerky is healthcare.
Security/privacy wise, the sane posture is:
connect read-only whenever possible
start with one low-risk account
don’t connect retirement/investment accounts first
watch what data retention controls exist
assume transaction descriptions are visible to model processing
avoid uploading tax returns unless you intentionally want tax analysis
Posted on 5/17/26 at 8:23 pm to Everyday Is Saturday
No way I'm paying $200/m for GPT Pro to get this. Interesting feature for existing subscribers though.
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