Talking about money by voice, based on account information
OpenAI said on X on Nov. 3 (Nov. 4 Japan time) that "ChatGPT Voice," which lets users converse by voice, can be used with "Finances," ChatGPT's personal finance feature. After connecting bank and brokerage accounts, users can ask money questions about spending, savings and more by voice. Answers are based on balance and transaction information from the connected accounts.
Let's talk money. Literally. ChatGPT Voice has come to Finances. Securely connect your accounts through Finances, then use Voice to talk spending, savings, and all the money questions on your mind. Try it: https://chatgpt.com/finances
On OpenAI's announcement page, voice support is listed as one of the features added in the Oct. 2 update. The latest post amounted to a fresh promotion of that feature. Crypto Briefing also reported that voice had become available on Oct. 2 to users of the free tier and other plans.
From the top plan to the free tier in six months
Finances started on May 15 as a preview for U.S. users of "Pro," the plan with the highest monthly fee. It connects accounts at more than 12,000 financial institutions through Plaid, which provides financial data connection services. Once accounts are connected, users can view investment performance, spending, subscriptions and upcoming payments in one place.
According to OpenAI, more than 200 million people use ChatGPT every month for money topics such as budgeting, investing and planning goals. In April, it brought on the team of personal finance startup Hiro.
It expanded to "Plus" on June 25, and on Oct. 2 began rolling out to the free tier and the low-cost "Go." The same update added weekly analysis, credit monitoring, stock watchlists, an Android version and manual entry of unconnected accounts. Credit information comes from credit bureau Experian.
Finances in ChatGPT is rolling out to Free and Go users in the U.S. Securely connect your accounts with @Plaid and @Experian to make sense of your money and credit, with answers based on your own financial information.
- Preview starts for U.S. Pro users; accounts connected through PlaidOfficial
- Expanded to Plus and Pro; Android supportedOfficial
- Experian credit information can be connected on Plus and ProReport
- Expanded to Free and Go; voice support and other features addedOfficial
- Voice support promoted on official accountOfficial
U.S. only, no transfers or payments
The feature is available to Free, Go, Plus and Pro users in the U.S., on the web, iOS and Android. No timing has been given for other countries. It only reads account information and cannot transfer money, make payments, trade stocks, change retirement account contributions or pay taxes.
In its help pages, OpenAI explains that it is neither a fiduciary nor a registered investment adviser and that answers are for informational and planning purposes. It also cautions that transfers, card payments, refunds and duplicate pending transactions may be counted as spending, making breakdowns inaccurate. Because credit information is based on Experian's monthly reports, recent payments may not be reflected.
Financial data on the ad-supported free tier too
When account connections are removed, synced data is deleted from OpenAI's systems within 30 days. Whether conversations in Finances are used for training follows ChatGPT's overall settings.
The free tier and Go, which now have access to Finances, are the plans that show ads in the U.S. When OpenAI announced the introduction of ads in January, it said it would not share conversation content with advertisers and would not show ads on topics such as health and politics. The Finances help page does not address the relationship between financial data and ads.
Perplexity also connects accounts via Plaid; Claude in preparation
The move to handle personal finance questions in AI chat services is spreading to other companies. Perplexity on April 9 expanded its integration with Plaid, allowing users to connect bank accounts, credit cards and loans. It is available to logged-in users in the U.S. and Canada, with advanced analysis limited to the paid Pro and Max. According to the company, more than 75% of its users ask money-related questions every month.
TestingCatalog reported in October that Anthropic is also preparing "Personal Finance," which connects bank accounts through Plaid, for its AI assistant "Claude." Anthropic has made no announcement.
Plaid, which handles the account connections, was valued at $8 billion in February in a sale of employee shares. That was above the $6.1 billion of April 2025 but short of the $13.4 billion in 2021.
