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Pane

Financeby Real
Open in ChatGPTWebsite
Launched Feb 17, 2026 on ChatGPT

Pane connects your bank accounts, credit cards, and investments to ChatGPT so you can ask real questions about your money.

Check balances, analyze spending by category, track recurring subscriptions, and monitor your full financial picture — all through conversation.

Link your accounts once and get instant, read-only access to your financial data whenever you need it. Your data stays encrypted and you control exactly what's shared.

10ChatGPT Tools
RealDeveloper
FinanceCategory

Available Tools

Delete Annotation

delete_annotation
Full Description

Delete a previously saved annotation by its ID.

Parameters (1 required)
Required
annotation_idstring

UUID of the annotation to delete.

Get Accounts

get_accounts
Full Description

Get linked financial accounts with balance metadata. Filter by type (checking, savings, credit, investment, loan, crypto).

Parameters (0 required, 1 optional)
Optional
typestring

Filter by account type. Defaults to 'all' to return every linked account.

Options:checkingsavingscreditinvestmentloancryptoall
Default: all

Get Balances

get_balances
Full Description

Get latest account balances and net worth summary. Filter by type (checking, savings, credit, investment, loan, crypto).

Parameters (0 required, 1 optional)
Optional
typestring

Filter by account type. Defaults to 'all' to return every linked account.

Options:checkingsavingscreditinvestmentloancryptoall
Default: all

Get Investments

get_investments
Full Description

Get investment holdings and portfolio value. Optionally filter by account.

Parameters (0 required, 1 optional)
Optional
account_idstring

Filter to a single investment account by its UUID. Omit for all accounts.

Get Liabilities

get_liabilities
Full Description

Get liabilities grouped by credit, student, and mortgage. Filter by type (credit, student, mortgage).

Parameters (0 required, 1 optional)
Optional
typestring

Filter by liability type: credit, student, mortgage, or all. Defaults to 'all'.

Options:creditstudentmortgageall
Default: all

Get Recurring

get_recurring
Full Description

Get recurring subscriptions, bills, and income streams. Filter by type (subscriptions, bills, income).

Parameters (0 required, 1 optional)
Optional
typestring

Filter by recurring type: subscriptions, bills, income, or all. Defaults to 'all'.

Options:subscriptionsbillsincomeall
Default: all

Get Spending Summary

get_spending_summary
Full Description

Get spending summary grouped by category, merchant, week, or month. Supports period shortcuts (last_7d, this_month, etc.) or explicit start_date/end_date.

Parameters (0 required, 5 optional)
Optional
account_idstring

Filter to a single account by its UUID. Omit for all accounts.

end_datestring

End of date range (inclusive) in YYYY-MM-DD format. Required if period is not set.

group_bystring

How to group spending: by category, merchant, week, or month. Defaults to 'category'.

Default: category
periodstring

Shortcut for common date ranges: last_7d, last_30d, this_week, last_week, this_month, last_month, this_year. Use this instead of start_date/end_date for convenience.

start_datestring

Start of date range (inclusive) in YYYY-MM-DD format. Required if period is not set.

Get Transactions

get_transactions
Full Description

Get transactions with optional date range, category, amount range, free-text search, and per-account filtering.

Parameters (0 required, 9 optional)
Optional
account_idstring

Filter to a single account by its UUID. Omit for all accounts.

categorystring/null

Filter by Plaid personal-finance category (e.g. 'FOOD_AND_DRINK', 'TRANSPORTATION').

end_datestring

Latest transaction date (inclusive) in YYYY-MM-DD format.

limitinteger

Maximum number of transactions to return (1–500). Defaults to 50.

Default: 50
max_amountnumber/null

Maximum transaction amount (inclusive).

min_amountnumber/null

Minimum transaction amount (inclusive). Positive = debits.

offsetinteger

Number of transactions to skip for pagination. Defaults to 0.

Default: 0
searchstring

Free-text search across merchant name and transaction description.

start_datestring

Earliest transaction date (inclusive) in YYYY-MM-DD format.

List Annotations

list_annotations
Full Description

List saved annotations, optionally filtered by scope and target.

Parameters (0 required, 4 optional)
Optional
limitinteger

Maximum annotations to return (1–100). Defaults to 50.

Default: 50
offsetinteger

Number of annotations to skip for pagination. Defaults to 0.

Default: 0
scopestring

Filter by scope. Omit to return annotations across all scopes.

target_idstring

Filter by target ID (e.g. a merchant name or account UUID).

Write Annotation

write_annotation
Full Description

Save a freeform annotation on a transaction, merchant, account, or profile. Annotations are surfaced automatically in future responses so knowledge persists across conversations.

Parameters (2 required, 1 optional)
Required
contentstring

The annotation text (1–2000 characters).

scopestring

What the annotation is attached to.

Options:transactionmerchantaccountprofile
Optional
target_idstring

ID of the target (transaction ID, merchant name, or account UUID). Omit for profile scope.

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