Mint shut down in March 2024 and a lot of people never replaced it. You do not need a new app: download your card transactions as a CSV from your bank, strip the account numbers, and drop the file into ChatGPT or Claude. Here is the exact prompt that finds forgotten subscriptions and category creep, plus the privacy checklist to run first.
ChatGPT can now link your bank, brokerage, and card accounts through Plaid and answer money questions against your real transactions. It rolled out to US Plus and Pro users on June 25, 2026. This analysis draws on OpenAI and Plaid documentation and publicly reported use to lay out where it helps, where it stumbles, and what the read-only permission really means before you hand an AI your balances.
I screened 9 GitHub repos that promise to replace paid finance apps and kept 4: Firefly III for budgeting, Ghostfolio for portfolio tracking, yfinance for stock data, and OpenBB for research. Star counts and last-commit dates verified on July 13, 2026, plus what each one actually does, how to start, and the catches (hosting, API keys).
Renters have reported about $65 million in losses to rental scams since 2020, with a median hit of $1,000, and half of recent cases started with a fake Facebook listing. Before you send a deposit, run the listing through a three-part check: paste it into AI for red-flag scoring, reverse-search the photos, and verify the owner in county records. Takes five minutes, costs nothing.