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Wally vs ChatGPT Finances
The short version
Finances in ChatGPT, as OpenAI calls it, lets people in the US connect bank and investment accounts through Plaid — and optionally an Experian credit report — then see a dashboard and ask ChatGPT about their own spending, bills, subscriptions, net worth, investments and credit. Wally is an AI agent for your money: it watches your accounts and email, and does jobs itself — cancelling subscriptions and asking your bank to refund fees — in a browser you can watch.
Disclosure: we make Wally, so we’re not neutral. Every fact about ChatGPT Finances comes from its own website and is linked below, and this page says when ChatGPT Finances is the better pick.
By Meet PandyaChecked Source: ChatGPT Finances’s website
Heads up: OpenAI’s pricing page showed Canadian dollars from our location, so the US plan prices come from OpenAI’s help center and its ChatGPT Go announcement.
At a glance
Prices in US dollars. ChatGPT Finances’s column comes from its own website, checked October 2026.
| Wally | ChatGPT Finances | |
|---|---|---|
| Price | iPhone, monthly: $6.99/monthiPhone, yearly: $69.99/year7-day free trialWeb, yearly: $69.99/year | ChatGPT Free: $0[3][1][10][12]Finances is available on this plan in the U.S. Free and Go plans may show ads.ChatGPT Go: $8/month[8][9][3]U.S. price in OpenAI’s January 16, 2026 announcement; billed monthly. OpenAI says Go pricing is localized in some markets and may change.ChatGPT Plus: $20/month[6][3][10]Billed monthly; OpenAI offers no annual option. Finances is available on this plan in the U.S.; Plus has no ads.ChatGPT Pro: $100, $200 or $500/month[7][3]Pro 100 is $100/month, Pro 200 is $200/month and Pro 500 is $500/month; Finances is available on Pro in the U.S. |
| Platforms | iPhone, Web | Web, iOS, Android |
| Countries | US and Canada | US |
| Bank connections | Plaid | Plaid for bank, card and investment accounts; Experian for the credit report and score |
Features side by side
| Wally | ChatGPT Finances | |
|---|---|---|
| Budgeting | YesBuilds your budget from your own usual spending and shows bills before they charge. | Partly[1]OpenAI lists planning budgets as something ChatGPT can help with and suggests questions such as whether you are on pace for a grocery budget. The dashboard widgets it lists cover spending, bills, subscriptions, net worth, portfolio, market and credit; a budget tracker is not among them. |
| Finds subscriptions and bills | YesFinds subscriptions and bills in your accounts — and in your email, if you connect it. | Yes[1]Finds subscriptions and recurring bills and shows active subscriptions with amounts, cadence and next charge dates, plus upcoming payments. |
| Cancels subscriptions for you | YesCancels in its own browser, which you can watch; you sign in yourself. Starts on the cancel page for about 20 popular services, and works other sites best effort. | No[5]OpenAI describes Finances as read-only: it cannot move money, pay bills, cancel subscriptions, make trades or change account settings. |
| Bill negotiation | NoWally doesn’t negotiate bills. It flags when a bill goes up, and can cancel a service in its own browser. | Not listed[1]Not listed among what ChatGPT can do. OpenAI says it cannot take financial actions for you. |
| Asks your bank to refund fees | YesSpots bank fees and can ask your bank’s chat or secure messages for a one-time courtesy refund. Not guaranteed. | Not listedNot listed on chatgpt.com/finances. |
| Reads your email for bills and trials | YesConnect Gmail or Outlook and Wally finds subscriptions, bills, free trials and returns in your email. Gmail is open to a limited number of accounts for now. | Not listed[1]Not mentioned in the Finances pages. Accounts connect through Plaid and credit data through Experian. |
| AI assistant | YesAsk anything about your money; Wally answers from your own numbers and acts only with your OK. | Yes[1][2]You ask in plain language, from the Finances page or in a regular ChatGPT conversation (with @finances or /finances). |
| Standing tasks from chat | YesSet a standing task in chat — say, a stock price every 10 minutes — and Wally keeps at it until you say stop. | Not listedNot listed on chatgpt.com/finances. |
| Net worth | YesEvery account in one place, plus things you add by hand, like a car, a home or cash. | Yes[1]A net worth widget shows how it has changed over time, and you can ask about it in chat. |
| Investment tracking | YesBrokerages connect through Plaid, and Wally follows your investments. | Yes[1][2]Reviews portfolio allocation and daily changes in stock and ETF holdings. Stock watchlists were added after launch. |
| Goals | YesGives every goal a real date. | Partly[1]Helps plan savings goals, debt payoff and major purchases in conversation, and can save goals as ‘financial memories’. It does not move money toward them. |
| Credit score | NoNot offered. | Yes[1][4]Shows an Experian credit report and VantageScore 3.0 score, updated monthly, with alerts for changes such as a new inquiry. It connects separately from bank accounts. The September 21, 2026 release note says it rolled out to Plus and Pro first; the pages read do not say whether it is on Free and Go. |
| Share with a partner | YesShare a Family profile with a partner in the iPhone app. | Not listed[1]The Finances help article does not describe sharing with a partner or household. |
| Moves money for you | NoRead-only — Wally never moves your money. | No[5][1]OpenAI says ChatGPT cannot move money, so it has no automated savings. |
When ChatGPT Finances is the better pick
Choose ChatGPT Finances if any of these matter most to you. From its own website:
- Finances is available on ChatGPT’s Free plan as well as Go, Plus and Pro (U.S. only), so it can be used without a paid plan.[3][1]
- Connects to more than 12,000 financial institutions through Plaid, and adds an Experian credit report and VantageScore 3.0 score as a separate connection.[3][1][11]
- Covers investments as well as spending: portfolio allocation, daily changes in stock and ETF holdings, and stock watchlists.[1][2]
- Lives inside the regular ChatGPT conversation: type @Finances in any chat, talk to it by voice, and have it remember goals and context you share.[1][2]
Where Wally is different
It does the job itself, in a browser you can watch
Ask Wally to cancel a subscription or ask your bank to refund a fee, and it works through the website in its own live browser. You sign in yourself — your password goes to that company, never to Wally — and nothing runs without your OK.
It reads your email, if you connect it
Connect Gmail or Outlook and Wally finds subscriptions, bills, free trials and returns in your email — including ones that haven’t charged your card yet.
It takes tasks from chat
Ask a question about your money and get an answer from your own numbers, or set a standing task and let Wally keep at it on its own clock until you say stop.
Read-only, and paid for by you alone
Wally can see your accounts but can never move money. Your subscription is its only income — no ads, no selling your data, no kickbacks.
Wally’s drawbacks
What Wally doesn’t do, or doesn’t do yet:
- No Android app — Wally is on iPhone and the web.
- No free plan. The free trial is 7 days, on the yearly iPhone plan.
- No credit score or credit report.
- Cancelling works best on about 20 popular services, where Wally starts on the cancel page; on other sites it works best effort. It can’t cancel anything that needs a phone call or a visit.
- Gmail connections are open to a limited number of accounts for now; Outlook works for everyone.
- It’s younger than most apps it’s compared with here, so it has a shorter track record.
- Works with US and Canadian banks only.
Wally, your AI money agent
Try Wally
Connect your accounts read-only through Plaid and ask Wally anything about your money — or give it a job, like cancel my Netflix
or get that overdraft fee back
. Wally works in its own browser where you can watch, you sign in yourself, and nothing runs without your OK.
$6.99 a month on iPhone, or $69.99 a year with a 7-day free trial. On the web, $69.99 a year. See what Wally can cancel.
Read-only — Wally never moves your money.
Wally vs ChatGPT Finances: FAQ
Can ChatGPT cancel subscriptions for me?
No. OpenAI says Finances in ChatGPT is read-only: it can’t move money, pay bills, cancel subscriptions, make trades or change account settings. It can find your subscriptions and show when they next charge. Wally can cancel a subscription in its own browser while you watch, with you signing in yourself.
Is ChatGPT Finances free?
OpenAI says Finances is available in the US on ChatGPT’s Free plan as well as Go ($8 a month), Plus ($20 a month) and Pro. Free and Go may show ads, OpenAI says. Wally is $6.99 a month on iPhone, or $69.99 a year with a 7-day free trial.
Does ChatGPT Finances work in Canada?
No. OpenAI says Finances in ChatGPT is available in the US only. Wally works with US and Canadian banks.
How does it connect to my bank?
Through Plaid for bank, card and investment accounts, and separately through Experian for a credit report and score, per OpenAI. Wally also connects read-only through Plaid.
Sources
- 1.OpenAI Help Center: Finances in ChatGPT · October 14, 2026
- 2.OpenAI: A new personal finance experience in ChatGPT (updated Oct 2, 2026) · May 15, 2026
- 3.ChatGPT: Finances · October 14, 2026
- 4.OpenAI Help Center: ChatGPT release notes (Finances entries May 15 to Oct 2, 2026) · October 2, 2026
- 5.ChatGPT use cases: Track bills, subscriptions, and spending · October 14, 2026
- 6.OpenAI Help Center: What is ChatGPT Plus? · October 14, 2026
- 7.OpenAI Help Center: About ChatGPT Pro tiers · October 14, 2026
- 8.OpenAI: Introducing ChatGPT Go, now available worldwide · January 16, 2026
- 9.OpenAI Help Center: What is ChatGPT Go? · October 14, 2026
- 10.OpenAI Help Center: Ads in ChatGPT · October 14, 2026
- 11.Plaid: What ChatGPT’s new experience signals for digital finance · May 15, 2026
- 12.ChatGPT: Plans and Pricing (shown in Canadian dollars from this machine) · October 14, 2026
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