Anthropic is adding Personal Finance to Claude. Users can connect bank and card accounts and ask questions about their spending in everyday language. Access is read-only: the assistant cannot transfer or invest money.
The feature is beginning to roll out in beta to Pro, Max and Ultra subscribers in the United States, Anthropic announced on November 5. The company has not announced a launch in other countries. Connections use Plaid, a service that links apps to banks.
What you can ask Claude
Personal Finance brings together information from the accounts a user chooses to connect and helps explain transactions. Ask where your money went this month, for example, and Claude can add up spending and group it into categories such as food, shopping and utilities.
Follow-up questions can explore whether spending was higher than usual, which payments are due before payday and how much money may remain afterwards. Anthropic says Claude can also flag duplicate charges, unexpected fees or bills that have gradually increased. Such signals are a reason to check the transactions, not proof that a bank made an error.
The assistant can also build a spending chart, a calendar of upcoming payments or a dashboard of selected figures. It can explain a financial term and show a calculation based on the user's transactions. Unlike a general question to a chatbot, a Personal Finance answer can draw on connected account data.
What data does the assistant see?
Users sign in to their bank themselves through Plaid and approve access to the accounts they choose. Anthropic says Claude neither asks for nor sees the bank password. It does receive the bank name, account names and types, the last four digits of account numbers, balances, credit limits and up to two years of transactions.
Access is read-only: Claude cannot manage funds, send transfers or make investments. Users can unlink an account at any time; Anthropic says Claude can no longer see its data after that. Before connecting, users can review Plaid's terms and Anthropic's information about how data is used and retained.
Anthropic says conversations in the Personal Finance hub are not used to train its models. Ordinary privacy settings apply to information shared with Claude outside that hub. That distinction matters if a user discusses banking details in another chat.
Availability and limitations
At launch, the beta is rolling out in the United States to Pro, Max and Ultra subscribers. Having ordinary access to Claude does not itself mean that Personal Finance is already available: the rollout is gradual and subject to launch conditions.
Anthropic says the tool is not designed to provide investment advice and can make mistakes. For important decisions, users can ask which transactions support a figure and check the numbers with their bank. For more complex financial questions, the company points users toward licensed professionals.
The feature has no ads or sponsored recommendations, according to Anthropic, and does not offer its own credit cards, loans or savings accounts. The company is exploring future work with financial institutions and licensed advisers; it has not presented those plans as an existing integration.
Sources: Anthropic, TechCrunch, The Decoder.