ChatGPT and similar AI tools can assist with financial modelling, but with important limits. They are useful for explaining concepts, drafting the structure of a model, writing spreadsheet formulas, generating code for calculations, and helping you think through assumptions or scenarios. For someone learning to build a model, an AI assistant can speed up the process and reduce errors in formula logic. However, these tools should not be trusted blindly for serious financial work. They can produce confident-sounding but incorrect numbers, they may not have access to current market data unless connected to live sources, and they do not understand your specific circumstances, regulations, or risk tolerance. Real financial modelling also requires accurate inputs and professional judgment that AI cannot replace. The safest approach is to treat AI as a productivity aid that supports a knowledgeable person, not as the decision-maker. Any model used for actual investment, business, or planning decisions should be carefully reviewed by a qualified professional. Dedicated financial planning software and human advisors remain the appropriate tools when accuracy and accountability genuinely matter.