What you need in ChatGPT
Candor Finance is in ChatGPT's plugin directory, which is open on every ChatGPT plan, including ChatGPT Free, and it installs the tools and the finance skill together. Install it under Plugins in ChatGPT on the web, the desktop app, or the phone app. On Free and Go, plugins work in the chat without their interactive panels. Business workspaces have apps on by default, and on Enterprise and Edu an admin turns plugins on first.
Check it worked
Start a new conversation with ChatGPT, turn Candor on if asked, and send the message below.
Ask ChatGPT to open your workspace with Candor Finance. It should name the accounts Candor covers and confirm the candor-finance skill is loaded; the directory plugin brings both. A plugin badge alone does not mean it can read your records.
What you should see: ChatGPT names the accounts in Candor and how recent they are. A missing account means limited coverage, not a failed setup.
Check whether the candor-finance skill and Candor access are ready. Tell me about anything missing. If access works, continue my financial task, or start a first check-in on my money if I have not named one. Be clear about gaps in the records.
What ChatGPT Finances does today
Finances links US bank, card, and investment accounts so ChatGPT can see balances, transactions, investments, and liabilities. It is on Free, Go, Plus, and Pro in the US, on the web and in the iOS and Android apps, and connecting an account can add a weekly finances update to your scheduled tasks.
OpenAI lists what it cannot do: move money, pay bills, change account settings, make trades, or act as your financial, tax, or investment adviser. ChatGPT can plan a budget or a savings goal with you in the chat and remembers goals you mention. OpenAI's documentation describes no budget or goal that ChatGPT then measures against your accounts month after month.
What changed in ChatGPT
October 2, 2026: OpenAI began rolling out Finances to Free and Go users in the US.
September 24, 2026: Candor Finance was approved in ChatGPT's plugin directory, so it installs without a custom app.
What Candor adds to ChatGPT
Finances helps you plan in the chat. Candor keeps goals measured from your accounts, a budget that pays for them, and each decision with its reason, in a workspace every agent you use reads, and it reviews your records to raise what's worth talking through.
Each item it raises, such as a goal slipping or a bill that went up, comes with the records behind it. ChatGPT reads the review when you ask and tells you straight what works and what does not yet. A decision you make here is there when you open Claude or Muse next month.
Keep the plan going in ChatGPT
Keep your money chats in a project, with project-only memory if you want them kept apart, and use Candor Finance inside it. Projects are on every plan.
For a regular check-in, ask ChatGPT to schedule one, such as a Sunday look at what Candor has raised. Scheduled tasks can use plugins, with an active-task limit that depends on your plan. Keep the plan in Candor, and the task, your chats, and every other agent you use read the same goals and budget.
When ChatGPT setup stops
Your workspace admin has not allowed Candor Finance
- What to do
- Your workspace admin decides which plugins members can use. Ask them to allow Candor Finance; the notice you see does not send them a request.
Connected, but the chat does not use Candor
- What to do
- ChatGPT uses an installed plugin when it is relevant to your request, and you can @mention Candor Finance to call it directly. OpenAI's plugin help, linked below, covers chats that leave plugins out.
ChatGPT will not connect until every permission is approved
- What to do
- Candor's Connections page, linked below, takes ChatGPT back through approval and shows the moment it connects.
ChatGPT says the plugin is not available on your plan
- What to do
- Plan limits are OpenAI's to set, and its help pages below list them. If your account still cannot add Candor Finance, we can finish setup with you, or you can pick another agent.
What to try with ChatGPT and Candor
Start with a first check-in that shows which accounts are covered, then pick one question to work through. For a household conversation, ask for a private agenda you can edit before you share it.
What Candor can and cannot do
Candor is read-only toward your money. It has no tool to move money, pay a bill, trade, or cancel a service, it does not train AI models on your financial information, and it records every agent read and change with its reason. You can revoke an agent, export your data, or delete it from your account.
Candor provides records and calculations, not financial advice; your agent advises and acts only through its own tools, with your okay.
Common questions
- ChatGPT already has Finances. Why use Candor instead?
- Finances comes with your ChatGPT plan. Candor is free to try; its Personal plan is a separate subscription and connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. Finances lets ChatGPT plan with your balances and transactions and remembers what you tell it. Candor keeps the plan measured: goals read from your accounts, a budget that pays for them, figures calculated from your records, and the reasons for what you decided, in a workspace your other agents read too. It also reviews your records and raises what's worth talking through.
- Do I need ChatGPT Finances if I use Candor?
- No. Candor keeps its own read-only connection to the accounts you link to it, and ChatGPT reads them through Candor Finance along with the plan and Candor's review. Candor does not read accounts you linked to Finances, so link them in Candor instead of in both places.
- Do I need Developer mode or a custom app?
- No. The directory plugin is the usual route. Adding a custom MCP server is a fallback for Business, Enterprise, and Edu workspaces on the web, with read and fetch access on Pro.
- What does Candor cost?
- Candor's Personal plan connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. It costs from $8.25 a month on the annual plan ($99 a year), or $14.99 month to month, and its first 7 days are free. You can also try Candor free first. Bring your history over from Monarch, YNAB, Copilot, or your bank. Download your transactions there, and your agent adds your accounts from the file. ChatGPT's own plan and usage charges are separate.
Sources
- Finances in ChatGPT OpenAI
- A new personal finance experience in ChatGPT OpenAI, October 2, 2026
- ChatGPT release notes OpenAI, October 2, 2026
- Troubleshooting plugins in ChatGPT OpenAI
- Scheduled tasks in ChatGPT OpenAI
- Automations OpenAI
- Projects in ChatGPT OpenAI
- ChatGPT: install a plugin from the directory OpenAI
- ChatGPT: Developer mode and custom MCP apps OpenAI
Setup files for agents: ChatGPT connection materials