Connect ChatGPT to your bank accounts and give it powerful personal finance tools.
Ask ChatGPT anything about your money.
Spending, subscriptions, budgets, trends: ChatGPT answers from your live transactions and balances, not from a statement you pasted in.
Connect once, ask forever.
Turn on Developer mode, add OpenBudget as an app, and authorize with OAuth. Every chat after that can pull your real numbers.
Bank-grade security, powered by Plaid.
Connect 10,000+ US institutions through Plaid with read-only access. Your bank credentials are never stored on our servers.
Chase
Bank of America
Wells Fargo
Citi
Chime
Cash AppPowerful tools, not just data.
Say it once, it's a rule.
Tell ChatGPT the right category once. New transactions get it automatically.
Find any charge in plain English.
Ask by merchant, category, amount, or date and get an answer in seconds.
Know exactly what you owe.
Every card and loan in one place, so ChatGPT can tell you where you stand.
Then just ask.
“How much did I spend on restaurants last month?”
“What recurring subscriptions am I paying for?”
“Compare my grocery spending this month vs. last.”
“What's my net worth across all my accounts?”
“Break down last month's spending by category.”
“Which cards am I carrying a balance on?”
Set up ChatGPT where you use it.
ChatGPT
chatgpt.com with Developer mode. Create an app, authorize with OAuth, and ask away.
View setup guideCodex
OpenAI's coding agent, in your IDE or terminal. The same connection works there too.
View setup guideOther AI clients
Using Claude or Cursor too? The same connection works in any MCP client.
Browse all clientsWhat people are saying.
“I asked which day of the week I spend the most, expecting weekends. It's Thursdays, every single one, from after-work dinners I never thought of as a habit. I'd never have found that pattern on my own.”
“I told it to find recurring charges I'd forgotten about. It surfaced two free trials that had quietly started billing months ago. Cancelling them covered the cost of the app for the whole year.”
“It compared my last six months and pointed out my grocery total hadn't moved, but my delivery fees had almost doubled. Same food, just lazier ordering. One sentence changed how I shop.”
“Instead of guessing, I asked if saving $2,000 in three months was realistic given my actual spending. It said yes, but only if I cut one specific habit, and named it. Like an accountant who'd read every statement.”
“I've kept the same budgeting sheet for years and didn't want to give it up. Now I just ask where the money went, get a plain-English answer, and it lands in my sheet already categorized.”
“My partner and I used to argue from two different mental ledgers. Now we both ask the same question and get the same answer, with the receipts attached. The money fights basically stopped.”
Questions, answered.
- Is it safe to connect my bank accounts to ChatGPT?
- Bank connections run through Plaid, the same infrastructure behind Venmo and Robinhood, and OpenBudget never stores your bank credentials. Access is granted with OAuth when you connect ChatGPT, and you can revoke it at any time.
- What can ChatGPT actually see?
- Your own data only: transactions, balances, net worth, and liability details like APRs and due dates. ChatGPT reads it live, so it always sees the latest.
- What can ChatGPT do with it?
- It can keep things tidy: recategorize transactions, add notes, and save categorization rules. It cannot initiate transfers or payments, and it cannot change anything at your bank.
- Do I need a paid ChatGPT plan?
- Yes. Custom MCP apps require Developer mode, which is available on ChatGPT Plus, Team, and Enterprise.
- How do I add OpenBudget to ChatGPT?
- Enable Developer mode in Settings, create an app with our MCP server URL, and pick OAuth for authentication. The setup guide walks through every step with screenshots.
- Do I need an OpenBudget subscription?
- Yes. One plan includes everything: $5/month billed annually, or $9.95 month-to-month, with unlimited US bank connections via Plaid.