OpenAI Expands ChatGPT Personal Finance Feature to Mac Desktop App

November 12: OpenAI has announced that ChatGPT Finances is officially expanding to the Mac desktop app. After updating the app, users can connect bank, credit card and investment accounts through the "Finances" entry in the sidebar, allowing them to view balances, analyze spending, manage subscriptions and track portfolios directly on macOS. The feature connects accounts via financial data provider Plaid, and ChatGPT can answer questions based on real transaction, balance and investment data — for example, asking which category they spent the most on this month or which subscriptions they should cancel — with the AI combining account information to provide personalized analysis.

ChatGPT Finances launched in May this year, and its main features include tracking spending by category, reviewing recurring charges, monitoring stock holdings and asset allocation, tracking credit scores, and generating weekly financial updates. On privacy, OpenAI emphasizes that the connection carries "read-only" permissions: ChatGPT cannot transfer funds, pay bills or execute stock trades, and users can disconnect the account link at any time. The feature is currently available to Free, Go, Plus and Pro users in the United States.