Do I need a paid ChatGPT plan?

The plugin directory is available across ChatGPT plans. Installing and using X1 depends on your plan, region, workspace settings, and the capabilities included. Check the X1 plugin page for the options available to your account. Custom connections have separate requirements.

Can I use a free X1 account?

Yes. A free X1 account connects the same way. Add documents within 1 GB of storage and a renewing processing allowance; X1 keeps the originals and prepares supported files for search. Use your saved sources in this assistant, download your originals, and export your supported record. Automatic document organization and specialist work require membership; separately offered first reviews keep their own terms. Your assistant's own plan and usage limits still apply.

Will ChatGPT use X1 in every chat?

ChatGPT can use an installed plugin when it is relevant. To ask for X1 explicitly, select it with @ or from the composer. You control the connection in ChatGPT's settings.

Could ChatGPT reach another family's records?

No. ChatGPT only reaches the records your own X1 account can see.

How do I disconnect X1?

Open X1 under Settings, then Apps or Plugins, and choose Disconnect in its connection controls. What ChatGPT already said in earlier chats, or saved to memory, stays under ChatGPT's own settings.

Can ChatGPT move money through X1?

No. X1 doesn't trade or move money, in ChatGPT or anywhere else.

Connect X1 to ChatGPT

Bring your family's records into ChatGPT.

ChatGPT already knows how trusts and K-1s work in general. Connect the X1 plugin and it can pull the details of yours from the records you've added to X1, with the document behind each answer.

Open X1 in ChatGPT See how to connect

Start free in X1

Your CPA has the K-1, your attorney has the trust, and the property file is in a folder somewhere. With X1 connected, ChatGPT works from the whole household record, so you can see how those pieces fit together.

Connect X1 to ChatGPT in three steps.

Open the plugin, connect your X1 account, then ask a question from your record. Use an X1 account with supported assistant access. An empty record is fine: you can ask for help adding your first document.

01
Open X1 in ChatGPT
Open the X1 plugin page using the button above. Review the included app and skills, then choose Install plugin when offered. Availability depends on your ChatGPT account and workspace settings.
02
Connect your X1 account
Choose Connect when prompted and complete X1 sign-in with the account you want to use. Review and approve the requested access. Installation alone does not connect your X1 records.
03
Ask a first question
In a new chat, select X1 with @ or from the composer. Ask "Use X1: what does X1 have on file for our trust?" and open the source it cites. If the trust is not in X1 yet, ask ChatGPT to add it: ChatGPT asks X1 for a private upload link, you approve it once in X1 and upload the file, then ask again.

Custom connection setup

Use these steps if you need a custom connection and your assistant account allows it.

Turn on developer mode
Open Settings and turn on Developer mode. In most accounts it sits under Security and login. Some workspaces put it under Apps, then Advanced settings. On a Business plan, only admins and owners can turn it on, each for themselves, so ask one of them to set up X1 and publish it to the workspace.
Start a new app
Open ChatGPT Plugins and choose the plus button. If your account shows Apps instead, choose Create there. You'll see a form for a new app.
Add X1
Name it X1, paste https://mcp.x1wealth.com/mcp as the server address, and choose OAuth for sign-in. If your form has a Scan Tools button, choose it now.
Sign in with X1 and create the app
An X1 sign-in window opens. Sign in with the X1 account that holds your household record and approve the access. When ChatGPT has read X1's tools, choose Create.
Pick X1 and check that it works
In a chat, open the + menu, choose Developer mode, and pick X1. Ask "Use X1: what does X1 have on file for our trust?" and open the document it cites. If the trust isn't in X1 yet, ask ChatGPT to add it: ChatGPT asks X1 for a private upload link, you approve it once in X1 and upload the file, then ask again. If no source comes back for a trust that is in X1, check that X1 was picked for that message.

Start with a question you can check.

Use X1. A K-1 from our fund just arrived. What does it say, what's unclear, and what should I ask my CPA?
Naming X1 at the start tells ChatGPT to answer from your record, and the K-1 gives it something real to check.
Use X1: according to our records, which trust owns the rental property we hold through our LLC? Cite each document.
It checks ownership against your documents instead of something ChatGPT half remembers from an old chat.
Use X1 to get me ready for my CPA meeting. What's still open, and can you draft a short list of questions?
You walk in with a draft you can edit, built from what is actually open.

What ChatGPT can do with X1.

Answer questions from your household record, with the document behind each answer.
Search your own documents for the passage that supports a fact.
Show the businesses, trusts, and properties in your record, and the changes waiting for you to confirm.
Check that a document you sent arrived, and add a new one to your vault. X1 asks for your approval when a step needs it.
Walk a capital call notice from the day it lands to the day it's handled.

ChatGPT can reach only what your own X1 account can see. If your record doesn't cover a question, X1 tells you rather than making something up.

If a step doesn't work.

You need a custom connection instead: Look under Settings, then Security and login, and under Settings, then Apps, then Advanced settings. Which plans get developer mode depends on your account, and on Business only admins and owners can turn it on. On Enterprise and Edu, workspace permissions decide who can use it.
Your team can't see X1 yet: Ask your workspace administrator whether X1 and its included app are allowed for your role. Installing the plugin does not override workspace restrictions. Custom workspace apps have their own publishing controls.
ChatGPT answers without using X1: Select X1 with @ or from the composer, or mention X1 in the message. Starting with "Use X1" helps.
Your X1 sign-in has expired: Open X1 under Settings, then Apps or Plugins, find its connection controls, and reconnect with the X1 account that holds your household.
X1 connects but some tools are missing: Open the app's details and refresh its tools. In a workspace, an admin may need to review the refreshed app before it works again.

Questions about ChatGPT and X1.

Do I need a paid ChatGPT plan?: The plugin directory is available across ChatGPT plans. Installing and using X1 depends on your plan, region, workspace settings, and the capabilities included. Check the X1 plugin page for the options available to your account. Custom connections have separate requirements.
Can I use a free X1 account?: Yes. A free X1 account connects the same way. Add documents within 1 GB of storage and a renewing processing allowance; X1 keeps the originals and prepares supported files for search. Use your saved sources in this assistant, download your originals, and export your supported record. Automatic document organization and specialist work require membership; separately offered first reviews keep their own terms. Your assistant's own plan and usage limits still apply.
Will ChatGPT use X1 in every chat?: ChatGPT can use an installed plugin when it is relevant. To ask for X1 explicitly, select it with @ or from the composer. You control the connection in ChatGPT's settings.
Could ChatGPT reach another family's records?: No. ChatGPT only reaches the records your own X1 account can see.
How do I disconnect X1?: Open X1 under Settings, then Apps or Plugins, and choose Disconnect in its connection controls. What ChatGPT already said in earlier chats, or saved to memory, stays under ChatGPT's own settings.
Can ChatGPT move money through X1?: No. X1 doesn't trade or move money, in ChatGPT or anywhere else.

Try it on something real.

Ask about the K-1 that just arrived or what your CPA still needs, and look at the document behind the answer.

Using a different assistant? Claude or Codex or the x1 terminal or Muse or any other MCP app. Or read how to set up an AI assistant for your family's finances.