In this article
Finances in ChatGPT connects your bank through Plaid and your credit through Experian. Here's how to set it up safely, plus 20 prompts to try.
ChatGPT now has a built-in money feature called Finances. As of October 2, 2026, OpenAI is rolling it out to Free and Go users in the U.S., after launching it for Pro and then Plus and Pro users earlier in 2026 (OpenAI). It connects your accounts through Plaid and, separately, your credit report and score through Experian (OpenAI Help Center).
Key takeaways
- Finances in ChatGPT shows spending, bills, subscriptions, net worth, investments, and your Experian credit score.
- Bank connections and credit are separate. You can use either or both.
- It's a dashboard and Q&A. It doesn't replace a plan, and answers can be wrong.
How do you set up Finances in ChatGPT?
- Open Finances in ChatGPT's sidebar and select Get started.
- Select Connect with Plaid.
- Sign in and choose the financial institutions you want to connect.
- Return to ChatGPT. Syncing and categorizing can take a few minutes.
You can also start from any chat by typing "@Finances, connect my accounts" (OpenAI).
Before you connect: a 60-second safety check
- Turn on two-factor authentication for ChatGPT and your bank.
- Review ChatGPT's data controls.
- Only connect the accounts you want analyzed.
- Know how to disconnect, in ChatGPT and at my.plaid.com.
More in Is it safe to connect your bank to AI?
20 prompts to try
Spending
- Where did I spend the most money this month?
- Compare my spending this month to the last three months.
- Which categories went up the most?
- Show me every purchase over $100 this month.
- What did I spend on food delivery vs groceries?
Bills and subscriptions 6. What bills are coming up before my next payday? 7. List all my subscriptions and what each costs per year. 8. Do I have any duplicate or forgotten subscriptions? 9. Did any recurring charge go up recently?
Saving and plans 10. Based on my last three months, how much could I realistically save each month? 11. Build me a simple monthly plan with fixed costs, fun money, and savings. 12. How long would it take to build a $400 buffer at $25 per paycheck? 13. Am I on pace to stay within my grocery budget?
Debt and credit 14. What's a practical order to pay down my credit card debt? 15. Which card contributes most to my credit utilization? 16. Which factors are affecting my credit score? 17. What should I understand about my credit before applying for an apartment?
Big picture 18. How has my net worth changed recently? 19. What's one change that would free up the most money next month? 20. Ask me five questions to figure out my Money Type, then suggest one first step.
Prompts 13 to 17 adapt examples from OpenAI's help article.
Where Fifecta fits
ChatGPT shows what happened. Fifecta gives every dollar a job with the FUNDS plan and your Money Type, and you can connect it to Claude today. See Fifecta for Claude, or take the Money Types quiz. Want prompts written for your type? Try the budget prompt generator.
New to all of this? Start with how to use AI with your money safely.
A note on advice
AI answers can be wrong, so double-check anything important. This is education, not individualized investment advice. For investing decisions, talk to a licensed professional.
FAQ
Is Finances in ChatGPT free?
OpenAI says it's rolling out to Free and Go users in the U.S. as of October 2, 2026 (OpenAI).
Does connecting my bank also connect my credit score?
No. They're separate connections. Credit comes from Experian, and you don't need a bank connection to use it (OpenAI Help Center).
Which banks work?
ChatGPT supports more than 12,000 financial institutions through Plaid (OpenAI).
You made it to the end. That's Saver-level patience.
