I tried ChatGPT's new finance feature and it opened a new window into how I spend my money

Date:
Wed, 01 Jul 2026 14:47:49 +0000

Description:
ChatGPTs finance feature turns personal spending data into a simple conversation.

FULL STORY ======================================================================Copy link Facebook X Whatsapp Reddit Pinterest Flipboard Threads Email Share this article 0 Join the conversation Follow us Add us as a preferred source on Google Newsletter Subscribe to our newsletter ChatGPT's new finance feature lets the AI chatbot take a look at any bank or similar accounts you care to open up for inspection. I was initially hesitant to try it out, but the tool only looks at the details of how you spend your money, and can't actually carry out transactions, so I agreed to let it analyze some of my accounts and offer its insights.

Finances is currently only available in the U.S. to Plus and Pro users on
web, iOS, and Android. Setting everything up is as easy as using any other ChatGPT plug-in. You just select Finances in ChatGPT and then click Get Started then Connect with Plaid . Finances uses Plaid to link to the
accounts; you simply sign in and agree to let Plaid share the information.
The service synchronized recent transactions and basically became an interactive, conversational database of my information. It's not that the AI can do things it couldn't before, but now you don't have to manually enter
any finance details you want to ask it about. Latest Videos From Watch full video here: ChatGPT looks at the receipts At its suggestion, I asked ChatGPT, "How much did I spend eating out this year?" ChatGPT soon had a breakdown of my how much I had spent at various restaurants, including delivery, and broke down some of the patterns. It pointed out that it had gone up recently, which makes sense as the weather has became pleasant enough to walk into town more often to eat. It also identified a few spikes I could tell were around birthdays and family celebrations.

Next I asked, "What subscriptions am I paying for?" You may like ChatGPT now wants to connect up to your bank accounts, if you trust it I asked ChatGPT to brief me every morning and it feels like an assistant I sent an email
without opening Gmail thanks to ChatGPT then I found the catch

That turned into one of the most practical moments of the experiment. ChatGPT gathered recurring charges across streaming services, software, and other monthly payments into one clear summary instead of leaving me hunting through statements. It also suggested reviewing whether every subscription still deserved a place in my budget.

"These subscriptions appear consistently each month, making them reliable recurring expenses.", it told me. Get daily insight, inspiration and deals in your inbox Sign up for breaking news, reviews, opinion, top tech deals, and more. Contact me with news and offers from other Future brands Receive email from us on behalf of our trusted partners or sponsors By submitting your information you agree to the Terms & Conditions and Privacy Policy and are aged 16 or over. Financial chatter Seeking a more detailed analysis, I asked ChatGPT, "What's changed in my spending this month?"

Instead of overwhelming me with every purchase, ChatGPT focused on the transactions that genuinely stood out. It noted a few large purchases at new locations, and asked if they were something I wanted more information on. I told it those were gifts, and the AI incorporated that fact into its response as not a new regular event but one that explained why overall spending had climbed this month.

"Those gift purchases are unusual compared with your recent history but they account for much of the increase, so your everyday spending has remained relatively consistent despite the higher overall total. Looking beyond one unusual month provides a more accurate picture of your longer term financial habits." What to read next I used ChatGPT to enhance my resume and job hunt OpenAI and Anthropic are battling to conquer the AI market in Finance and Legal Why relying on unverified chatbot financial advice leads to costly errors

Using ChatGPT this way felt almost like the inverse of most financial software. Most budgeting apps expect you to learn their system first. ChatGPT let me ask questions however they occurred to me and then translated months
of transactions into answers that were easy to understand.

That does not mean it replaces dedicated budgeting tools, and it certainly cannot make smarter financial decisions on your behalf. You still have to decide whether to cancel subscriptions, spend less on eating out, or save
more each month. But I can see how it might make it easier for people who hesitate to look at their finances if they feel uncomfortable around spreadsheets. It didn't feel like math homework the way it often does.

Of course, it still relies on some trust in both OpenAI and Plaid, but as
long as it's purely viewing and not actually touching the accounts, this
could be a really useful, practical feature for ChatGPT users. Follow TechRadar on Google News and add us as a preferred source to get our expert news, reviews, and opinion in your feeds. The best business laptops for all budgets Our top picks, based on real-world testing and comparisons

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Link to news story: https://www.techradar.com/ai-platforms-assistants/i-tried-chatgpts-new-finance -feature-and-it-opened-a-new-window-into-how-i-spend-my-money


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