Sprout's money answers are coming to ChatGPT.

Where the Sprout ChatGPT app stands

Sprout has submitted its ChatGPT app to OpenAI, and it is in review. It is not published yet, so you won't find it inside ChatGPT today. We will update this page when OpenAI approves it. Everything the app will do already works in Sprout itself, so there is no reason to wait for your answers.

The ChatGPT app is built for personal and business finance: individuals, freelancers, founders, and small-business owners reviewing their own connected accounts. It answers questions about spending, cash flow, vendors, subscriptions, and charges from real transactions, read-only, and it shows the accounts and dates behind each answer. Until it is published, use Sprout here:

• iPhone and iPad: the full Sprout app with chat, widgets, and the daily Money Minute. See Sprout for iPhone.
• Mac: Sprout from the Mac App Store, for longer reviews on a bigger screen.
• Web: app-sprout.z4k.app in any browser, with nothing to install.
• Claude: the Sprout plugin for Claude, live today with the same read-only tools.

ChatGPT has its own bank connection now

OpenAI now offers Finances in ChatGPT, which connects US bank accounts through Plaid, read-only. According to OpenAI's help center, it has been free on all ChatGPT plans since October 2, 2026. If you live in the US and want money answers inside ChatGPT today, it is worth a look, and Sprout's app will be another option there once it is published.

Sprout is a money app first, with its own apps, daily habits, and answers that work in more than one assistant. ChatGPT is great for explaining ideas like the 50/30/20 rule, and Sprout keeps your own numbers close at hand wherever you check them. Our Sprout vs ChatGPT comparison covers the differences in detail. Here is what Sprout brings:

• Canada too: eligible US and Canadian institutions, with USD and CAD kept in their own currencies, never combined or converted.
• Apps you can glance at: iPhone, iPad, Mac, and the web, plus Home Screen widgets and a Live Activity for today's spending on iPhone.
• A daily habit: the one-minute Money Minute, streaks, Weekly and Monthly Money Wrapped, and the Spending Roast.
• More than one assistant: the same read-only tools in Claude today, and in ChatGPT once the app is published.
• Receipts and scope: exact totals calculated on Sprout's server, the accounts and dates on every answer, and personal or business reviews limited to the accounts you choose.

Why a connected app beats pasting statements into a chatbot

Plenty of people still budget with a chatbot by pasting in a bank statement or a CSV. That can work for a one-off question, and our guide on using ChatGPT for budgeting shows how to do it carefully. A connected, read-only app removes the weak spots of that workflow.

With pasted data, the answer is only as good as the file. It goes stale the day after you export it, it usually covers one account, and the totals depend on the model adding up hundreds of rows. A connected app reads current data from every account you choose and calculates the totals on the server.

What you will be able to ask in ChatGPT

The ChatGPT app uses the same read-only tools as Sprout's other surfaces. Ask where your money went, which vendors your business paid most, how cash flow changed between two months, or which subscriptions keep renewing. Each question maps to a tool that returns structured numbers for ChatGPT to explain.

For business reviews, you choose which accounts a question covers, so personal and business money stay separate. Keep in mind that net cash flow from bank data is not accounting profit. Sprout is a clear way to read your accounts, and it does not replace your bookkeeping.

• Spending and vendors: totals by category, merchant, or vendor for any date range.
• Cash flow: inflows, outflows, and net cash flow by day, week, or month, excluding transfers between your own accounts.
• Period comparisons: the exact dollar change and percentage between two periods.
• Subscriptions and SaaS: detected recurring charges, estimated next dates, annualized cost, and price changes.
• Charge review: transaction search, plus possible duplicates and unusually large expenses to check.

Read-only, by design

Sprout connects to banks through Plaid, which runs the bank sign-in, so Sprout never sees or stores your banking password. Access is read-only. Sprout can't move money, pay bills, cancel subscriptions, or dispute charges, and neither can an assistant connected to it. Bank transaction descriptions are treated as data, never as instructions.

Connecting the ChatGPT app means signing in to your Sprout account. Your bank connection stays in Sprout, and ChatGPT receives only what Sprout's tools return for your question. Read the full details on our security page.

Start with Sprout today

You don't need to wait for OpenAI's review to ask Sprout about your bank accounts. Sprout's own assistant already answers every question the ChatGPT app is built for, from spending and cash flow to subscriptions and odd charges, with charts, tables, and the accounts and dates behind every number. Here is how to get your first answer.

1. Open Sprout

   Use the web app at app-sprout.z4k.app, or download Chat With Your Finance from the App Store for iPhone, iPad, or Mac.

2. Sign in

   Use Apple, Google, or email. You can explore fictional sample data before you connect a bank.

3. Connect your accounts

   Pick your bank in the Plaid window and choose which accounts Sprout can read. Eligible institutions in the United States and Canada are supported.

4. Ask your first question

   Try "Where did my money go last month?" and follow up from there. Conversations are saved, so you can pick one up later.