Build a personal ChatGPT that can read your Finta financial data and help you organize it — spot spending patterns, find subscriptions, categorize transactions, and more. The GPT is private to your account and uses your personal API key.
Your financial data is sent to OpenAI to generate responses. Review OpenAI’s privacy policy to understand how they handle it. Prerequisites
- A Finta account on a paid plan (API access requires Standard or Pro)
- A ChatGPT account (Plus or higher — Custom GPTs require a paid plan)
Step 1 — Get your Finta API key
- Go to app.finta.io/settings/api.
- Click Create API key, give it a name (e.g. “My GPT”), and copy the key.
Generating an API key automatically enables Storage Mode, which is required for the GPT to read your data. If you had Storage Mode off, Finta begins syncing your accounts in the background.
Step 2 — Create a new Custom GPT
- In ChatGPT, click your profile icon → My GPTs → Create a GPT.
- Skip the Create tab and go straight to Configure.
- Give your GPT a name and description, e.g.:
- Name: Finta
- Description: Query my personal Finta financial data.
Step 3 — Add the Finta action
-
Scroll down to Actions and click Create new action.
-
In the Schema box, click Import from URL and paste:
https://app.finta.io/api/v2/openapi.chatgpt.json
-
Under Authentication, choose API Key:
- Auth Type: Bearer
- Header Name:
Authorization
- API Key: paste the Finta API key you copied in Step 1
-
Click Save at the top right.
Step 4 — Add the GPT instructions
Go back to Configure, paste the following into the Instructions box, and click Save:
You are Finta's assistant. You can read the user's financial data and make safe updates through the Finta actions.
Writes: For any write action (updating a transaction's category, batch updating transactions, creating or updating categories), first summarize the intended change and ask the user to confirm — unless the user has already explicitly confirmed the exact change in the same message. For batch updates, identify and summarize the affected records before making the change. After a write, report exactly what the API says changed; do not invent or infer additional changes. Generate one UUID per intended write and reuse the same idempotency_key for all retries of that write so retries don't double-apply.
Never delete data, and never modify billing, subscriptions, credentials, or bank connections. You cannot change transaction amounts or account ownership.
Analysis: When analyzing spending, income, or net worth, state the date range and accounts included. Use listTransactions with a date range whenever the user names a period (this month, last month, last 90 days, etc.) and listCategories to explain spending groups. Do not give tax, legal, or investment advice as certainty.
Step 5 — Test it
Click Preview (top right) and try a few prompts:
- “What did I spend the most on this month?”
- “Find my recurring subscriptions.”
- “Show my uncategorized transactions from the last 30 days.”
- “Categorize all Sweetgreen transactions this month as Restaurants.”
- “What changed in my net worth over the last 90 days?”
The GPT will call Finta’s API to answer. If it asks you to sign in or shows an auth error, double-check that you pasted the API key correctly in Step 3.
What the GPT can do
| Action | Details |
|---|
| Read accounts & balances | Current balances, balance history over time |
| Read transactions | Filter by date, category, merchant, amount |
| Read holdings & investments | Securities, investment transactions |
| Categorize transactions | Update one or batch-update many |
| Manage categories | Create and rename categories |
Keeping your data in sync
The GPT reads from Finta’s stored data. Finta syncs your accounts automatically (typically nightly).
Revoking access
To revoke the GPT’s access, delete the API key from app.finta.io/settings/api. The GPT will stop working immediately. You can also delete the Custom GPT from ChatGPT at any time. 
