ChatGPT in 2026: what you get for free and what Plus adds for $20
ChatGPT in 2026: what you get for free and what Plus adds for $20

Category: Tutorials / Artificial intelligence | Published: September 18, 2026
Topics: Free vs Plus, GPT-5.6 Luna and Sol for $20, practical chat examples, working with files, images, and code
Author: Zoran Knežević | Reading time: About 25 minutes

In 2026, ChatGPT has a clear split between its free and paid plans. If you do not want to pay, the Free plan now provides GPT-5.6 Luna and unlimited everyday text chats, subject to standard safeguards against misuse. If you use ChatGPT more seriously, Plus costs $20 per month and gives you GPT-5.6 Sol, the model behind fast everyday Instant responses as well as Medium and High reasoning when you need deeper analysis.

In other words, the question is no longer just whether ChatGPT is free to use. It is what you get for $0 and what you get for $20 a month.

For most people, the difference between Free and Plus comes down to this: if you use ChatGPT for questions, translation, learning, or occasional coding, Luna is already capable and everyday text chats are not subject to the old message-counting limits. If you use it every day for code, research, larger projects, or serious analysis, Plus gives you Sol, and the difference becomes clear. Most importantly, you do not need the $200 Pro plan to use Sol. It is available with a standard Plus subscription.

Beyond the new models, the biggest practical change is how much work you can now do in an ordinary conversation. ChatGPT is no longer just a replacement for a search engine. It can search the web in chat, read long documents, analyze Excel spreadsheets, diagnose bugs from screenshots, generate and edit images, remember context, and connect to apps.

Updated: September 18, 2026.
Information about models, plans, and feature availability reflects the state checked on September 18, 2026, and may change as OpenAI updates ChatGPT.

What does “unlimited” actually mean?

When you hear that ChatGPT is “unlimited,” distinguish the Free plan from the paid Plus plan. The word “unlimited” does not automatically apply to every ChatGPT feature.

For Free and Go users:

  • Unlimited access applies to everyday text chats with GPT-5.6 Luna.
  • The old limit of something like “40 messages every 3 hours” no longer applies to ordinary text use.
  • Abuse-prevention safeguards help protect the service from overload, bots, and spam.
  • Separate tools, including image generation, uploads and analysis of larger files, Voice, and advanced tools, have their own quotas and are not unlimited.

For ChatGPT Plus users ($20 per month):

  • Plus includes GPT-5.6 Sol as the main work model.
  • It includes Instant as well as Medium and High reasoning levels.
  • File, image, Deep Research, and reasoning limits are much higher than on a free account.
  • GPT-5.6 Sol is not presented as unlimited in every mode: OpenAI says the plan has usage limits. Some more demanding reasoning modes and resource-intensive tools have their own limits so the service can remain stable for everyone.

In short, text conversations on Free are available without the old message-counting experience, while Plus for $20 gives you a more capable Sol model and much more room for serious work.

GPT-5.6 Luna for free users

GPT-5.6 Luna is the default model for fast, efficient everyday work. It is available to Free and Go users without a subscription.

What Luna offers in practice:

  • Unlimited text chats: Talk, analyze, and learn throughout the day without worrying about a cap on everyday text messages.
  • Think option: For harder logic and analysis, the Think button lets GPT-5.6 Luna spend more compute before it responds.
  • Practical capabilities: The model is useful for translation, writing, explaining technical concepts, working with HTML, CSS, and JavaScript structures, refactoring small scripts, and basic debugging.
  • A real limit: Image generation, larger file uploads, and Voice are not unlimited and have separate quotas. Complex projects with complicated code architecture make the difference compared with Sol more noticeable.

For a closer look at how Luna compares with other models, see our guide to AI models and tools in 2026.

GPT-5.6 Sol: what Plus for $20 includes

ChatGPT Plus costs $20 a month and includes GPT-5.6 Sol.

This is one of the main points to take away: you do not need a $200 Pro subscription to use GPT-5.6 Sol. This capable model is available with a standard Plus account for $20 per month.

Here is how Sol works on Plus:

  • Instant uses Sol: Even fast everyday answers on the paid plan come from Sol rather than Luna, which can provide a more accurate and considered answer from the first question.
  • Medium and High reasoning: When you need deeper thinking for a complex algorithm, system architecture, databases, or security analysis, you can choose Medium or High reasoning.
  • Automatic reasoning: ChatGPT can use more reasoning on its own when it judges a question to be more demanding, even when Instant is selected.
  • What higher plans add: The highest Extra High and Pro modes, such as GPT-5.6 Sol Pro, are reserved for more expensive Pro and Business plans where available. For everyday development and professional work, standard Sol on Plus is more than enough.
  • Capacity and limits: Sol on Plus has a generous standard allowance, but it is not unlimited in every reasoning mode or tool. Plan-specific limits still apply.

Luna is a strong fit for many everyday tasks. Sol is better suited to work that needs more depth and precision.

Plan comparison: Free, Plus, and Pro

FeatureFree / GoPlus, $20 per monthPro
Main Chat modelGPT-5.6 LunaGPT-5.6 SolGPT-5.6 Sol
InstantLunaSolSol
Think / reasoningLuna ThinkSol Medium and HighMedium, High, and Extra High where available
GPT-5.6 SolNoYesYes
GPT-5.6 Sol ProNoNoYes, where available
Text chatsUnlimited everyday Luna chatsGenerous standard access with plan-specific limitsHigher limits
ImagesLimitedHigher quotasHigher quotas still
FilesLimitedHigher quotasHigher quotas still
Deep ResearchLimited or plan-dependentExpanded accessMore access
OpenAI APINot includedNot includedNot included

Note: Exact quotas and usage limits may change with OpenAI's policies. OpenAI API usage is always billed separately by tokens and is not included in a ChatGPT subscription.

What does a free user actually get?

If you use ChatGPT for everyday questions, translation, writing, learning, or occasional coding, the Free plan is much more useful than it used to be. GPT-5.6 Luna does not have the old cap on everyday text messages, and Think is available when a question needs more reasoning.

You will mainly notice the limits when you use images, documents, or advanced tools heavily, or when you need the more capable Sol model.

The Free plan includes:

  • Unlimited text chats with GPT-5.6 Luna, subject to standard safeguards against misuse.
  • The Think option for harder tasks where the model spends more time reasoning.
  • Useful learning support: Learn HTML, CSS, JavaScript, and Python, write small scripts, and debug code.
  • Image and file work within the basic quotas.

What do you get for $20 with ChatGPT Plus?

For most people looking for more than the Free plan, ChatGPT Plus is the most interesting option. It costs $20 per month, and the main difference is access to GPT-5.6 Sol.

Here is what Plus adds:

  • GPT-5.6 Sol instead of Luna as your default work model.
  • Instant responses from Sol, with stronger handling of detail and fewer detours.
  • Medium reasoning for working through moderately difficult problems.
  • High reasoning for complex mathematics, engineering analysis, code architecture, and debugging.
  • Higher image and file quotas, so you can analyze larger documents and spreadsheets.
  • Broader access to Deep Research for in-depth web research.
  • Faster responses and priority access when servers are busy.
  • A wider selection of features and models in the interface.

If you use ChatGPT every day for coding, work, research, or larger projects, the move from Luna to Sol is likely the biggest reason to upgrade to Plus.

Is Plus for $20 worth it?

Whether $20 a month is worth paying depends on how you use ChatGPT.

The Free plan with Luna is enough if:

  • You use ChatGPT a few times a day or only occasionally.
  • You ask general questions, look up information, or brainstorm writing ideas.
  • You translate text or check grammar.
  • You occasionally write a short script or fix a simple coding issue.

Plus for $20 can be worthwhile if:

  • You use ChatGPT every day as a primary tool for work or study.
  • You write and debug serious software, refactor large modules, or work with databases.
  • You regularly analyze PDFs, contracts, tender specifications, or Excel spreadsheets.
  • You need deeper reasoning, where Sol can make a noticeable difference to code quality.
  • Higher quotas for images, files, and Deep Research matter to you.

For $20 a month, Sol gives you a more capable working experience without requiring a $200 Pro subscription.


You no longer need to ask only short questions

A common beginner mistake is to use ChatGPT like Google Search: ask a short, general question without any context. If you ask, “How do I do X?”, you get a generic explanation that you then have to adapt yourself.

A more effective approach is to give it the problem, the context, relevant files, and the exact result you want.

Here are a few realistic examples:

  • Instead of: “How should I improve my CV?”
    Write: “I’m sending you my CV as a PDF and the job posting for a software developer role. Compare them, identify the technical skills from the posting that are missing from my CV, rewrite descriptions of my past projects to fit the role, and draft an answer to ‘Why do you want to work on our team?’”
  • Instead of: “Explain contract law.”
    Write: “I’m sending you a 35-page commercial lease. Review every section, identify my specific financial and legal obligations, extract penalties and notice periods into a table, and flag any clauses that seem one-sided or risky.”
  • Instead of: “Why does my server keep going down?”
    Write: “I’m sending you my Nginx configuration and the last 150 lines of the error log. Find the exact line causing the service to fail, explain what went wrong, and return a corrected configuration I can use.”

Practical tip: ChatGPT is most useful when you give it the full context and the end goal, rather than an isolated question.

It can check the web instead of relying on old knowledge

Models used to rely only on static training data. ChatGPT Search can now search the web during a conversation, read recently published articles, and provide links to sources.

This matters for information that changes quickly, such as hardware prices, software versions, drivers, laws, news, and service status.

Examples:

  • “Check whether a new NVIDIA Game Ready driver was released today, which game and application issues it fixes, and whether users on forums are already reporting new bugs after installing it.”
  • “Find current retail prices for the RTX 5070 Ti at online stores in Serbia. Compare which store currently has it in stock at the lowest price.”
  • “Check the latest news about this Windows 11 cumulative update. Has Microsoft officially acknowledged the SSD performance issue, and is there a temporary workaround?”
  • “Find the latest stable version of Node.js and explain the main changes from the previous LTS release.”
  • “Check whether this online service is still active, whether its terms have changed, and whether it still offers a free plan.”

Practical tip: For information that may change, such as prices, versions, drivers, regulations, news, or availability, include phrases such as “check the current information online,” “search the web,” “use the latest sources,” “include the date,” or “provide sources.” This is more reliable than relying on a model's general knowledge.

When ordinary web search is not enough: Deep Research

Ordinary Search is useful for a quick fact check. Deep Research goes further: it can search many pages, compare conflicting sources, read technical specifications, synthesize forum discussions, and prepare a detailed, structured report.

The difference is clear:

  • Ordinary Search: “How much does this monitor cost in stores?”
  • Deep Research: “Research the best current 32-inch 4K monitor for long hours of reading and coding, with a budget of up to EUR 800. Compare refresh rate, PWM backlight control and flicker, text clarity on IPS versus OLED panels, stand ergonomics, and real user experiences on Reddit. Do not rely only on manufacturers’ marketing claims. Create a comparison table and cite every source.”

Other situations where Deep Research can save hours of manual searching:

  • “Research this company before I accept a job offer. Use its official website, LinkedIn, financial data, employee experiences, and Reddit. Separate verified facts from personal accounts.”
  • “Research known issues with this SSD model, its firmware versions, and compatibility with Windows 11.”
  • “Compare five cloud services for my specific project. Include price, limits, API, storage, bandwidth, and vendor lock-in risk.”

Practical tip: Deep Research shows you a research plan before it starts. You can review the plan, steer the research, restrict it to certain sources, provide files as context, and request a final report with sources.

Upload a document and ask what you actually need to know

Many people stop at “ChatGPT can summarize a PDF.” That is only a small part of what it can do. The real value comes from using a document as a knowledge base and asking specific questions across dozens or hundreds of pages.

Examples for working with documents:

  • “In this 180-page PDF, find every section that mentions firmware, NVMe, or RAID and explain only those parts.”
  • “Compare these two contracts and show me only what changed.”
  • “Find every date, deadline, amount, and obligation in this document and put them in a table.”
  • “Read this policy and answer only whether it restricts working from home. Cite the page and section.”
  • “Turn this document into a two-page version without losing the technical details.”
  • “Find contradictions among these three documents.”
  • “I’m sending you 20 PDFs. Create a combined overview and identify which documents cover the same topics.”

Practical tip: Asking specific questions about a document is much more useful than requesting a generic summary of the whole file.

It can open a spreadsheet, analyze the data, and return a new file

ChatGPT can work directly with CSV and XLSX files in a conversation, analyze data, filter values, create charts, and return a new file ready to use.

Examples:

  • “Find duplicates in this spreadsheet and create a new version without them.”
  • “Find every row with a missing email address or phone number.”
  • “Compare these two Excel files and show me which values changed.”
  • “Analyze monthly sales and find the three largest drops.”
  • “Find anomalies in these 100,000 rows.”
  • “Normalize the phone numbers to one format.”
  • “Convert the dates to YYYY-MM-DD.”
  • “Create charts from this spreadsheet and briefly explain what they show.”
  • “One of my Excel formulas is wrong. Find out why the result is incorrect.”
  • “Return a new XLSX file with the corrected data.”

Practical tip: You do not need to know Python, pandas, or Excel formulas to analyze data. Describe the result you want in plain language.

Send a screenshot or photo instead of describing the problem

In many situations, sending a screenshot is much easier than spending five minutes describing a problem.

Examples:

  • Error screenshot: “Explain what this error means and give me the exact steps to fix it.”
  • BIOS screen: “Which option should I change to enable Secure Boot?”
  • Windows screen: “What is wrong here?”
  • Motherboard: “What is this connector?”
  • Chart: “Explain what this shows and whether anything looks unusual.”
  • Receipt: “Extract the store name, date, receipt number, items, and total.”
  • User interface: “Analyze this screen and tell me what is not working visually.”

Practical tip: Taking a screenshot with Win + Shift + S on Windows or Cmd + Shift + 4 on Mac, then pressing Ctrl + V in ChatGPT, can save more time than typing a description.

A screenshot is often the best prompt

When you run into a technical problem, a screenshot can provide all the context ChatGPT needs. The prompt can be short and direct:

  • Screenshot of a Windows error: “How do I fix this?”
  • Screenshot of the BIOS: “What should I enable?”
  • Screenshot of a website: “What does not look right?”
  • Screenshot of an Excel formula: “Why is this returning the wrong result?”
  • Screenshot of code: “What is causing the problem here?”
  • Screenshot of a product: “Which model is this?”
  • Screenshot of a setting: “What does this option do, and should I turn it on?”

From the image, the model can recognize error codes, menu context, hardware labels, and layout faster than you could type all of that information manually.

Create or edit an image with a plain-language request

ChatGPT can create new illustrations from scratch and directly edit images you provide in a conversation.

Examples of image generation:

  • “Create a hero image for an article about Windows 11 recovery tools. Use a dark background and a modern Windows computer. Do not include text.”
  • “Create a simple infographic explaining the difference between RAM and an SSD.”
  • “Create an illustration for a blog about a home server.”

Examples of image editing:

  • Send your photo and ask: “Remove the person in the background.”
  • “Change the background to white.”
  • “Remove the text from this image.”
  • “Create a 16:9 version for a blog.”
  • “Improve the lighting and sharpness.”
  • “Keep everything else the same, but change the product color to black.”

Practical tip: When requesting an image edit, say what should remain unchanged so the model does not alter elements that are already right.

Coding: give it a real problem, not just a request for code

Instead of a general request such as “write a React component,” get more value by asking ChatGPT to solve a real engineering problem in your project.

More advanced examples:

  • “I’m sending you a 900-line component. First map what it does, then find duplicated code and suggest a safe refactor that does not change behavior.”
  • “Here is the stack trace and relevant code. Find the root cause instead of just explaining the error.”
  • “This API endpoint sometimes returns a 500 error. Analyze the code and find a race condition or edge case.”
  • “Write tests for this function and include edge cases I may have missed.”
  • “Compare these two implementations and explain where their behavior differs.”
  • “Explain this legacy code as if I will have to maintain it tomorrow.”
  • “Find security issues in this endpoint.”
  • “Do not change the code yet. First map the problems and list what you would change.”

Practical debugging tip: Include:

  1. the error and stack trace,
  2. the relevant code,
  3. the expected behavior,
  4. the current behavior, and
  5. what you have already tried.
    This gives you a much better result than “My code is broken. Fix it.”

You do not have to explain everything from scratch each time

ChatGPT keeps context within an open conversation, so you can work iteratively, one step at a time.

The work often improves over several follow-up messages:

For coding:

  1. “Analyze this code.”
  2. “Now fix only authentication.”
  3. “Do not touch the UI.”
  4. “Add tests.”
  5. “Check whether anything else broke.”
  6. “Write a final changelog.”

For writing:

  1. “Write a draft.”
  2. “It sounds too robotic.”
  3. “Shorten the introduction.”
  4. “Add five practical examples.”
  5. “Rewrite the title.”
  6. “Give me the final version.”

Practical tip: Every prompt does not have to be long. It is often more efficient to start with the main request, review the first result, and refine it through a few quick iterations.

You do not have to repeat the same details (Memory)

If Memory is enabled in your account settings, ChatGPT can use relevant context from earlier conversations so that a new conversation can start with more background.

Examples:

  • “How did we fix that NVMe driver issue?”
  • “Continue the app plan we made last week.”
  • “Use the same style we used in the previous articles.”
  • “Which features did we decide to leave for the next version?”
  • “Compare this with the previous solution we used.”

Practical tip: Memory is not a perfect database, and you should not assume that it remembers every sentence. It can still reduce repeated context for long-term projects. You can review and delete saved memories in your account settings at any time.

You do not have to dig through old conversations manually

ChatGPT has built-in search for conversations, projects, and files from the left sidebar.

If you remember solving a problem three or six months ago, you can quickly find the old conversation by searching for:

  • a technology or tool name,
  • a project or client name,
  • the exact error message you pasted,
  • a phrase you used in the discussion, or
  • the name of a file you attached.

Over time, old ChatGPT conversations can become a practical personal archive of technical notes and solutions you have already checked.

You can talk naturally using Voice

Voice is more than reading text aloud with text-to-speech. It is a natural, two-way spoken conversation within the same chat context.

Current Live Voice can use web search and Memory during a conversation, while availability depends on your device and plan.

Voice is useful for:

  • Practicing English: “Talk with me in English and interrupt only when I make a significant grammatical mistake.”
  • Preparing for an interview: “Act as a technical interviewer for a mid-level frontend position. Ask one question at a time, and do not tell me the answer right away.”
  • Brainstorming: Develop ideas while driving or walking without looking at a screen.
  • Explaining a problem without typing: Talk through a complicated situation when speaking is faster.
  • Practicing a client conversation: Rehearse a presentation or negotiation.
  • Learning through questions and answers: Check your knowledge before an exam or technical assessment.

Plugins and connected apps in ChatGPT

Connected apps are not separate software modes. The work can still happen in an ordinary ChatGPT conversation.

OpenAI currently uses the Plugin Directory as the main place to find these integrations. A plugin may provide search, connected apps, interactive features, and, in some cases, actions that write to an external service.

Examples in a regular chat:

  • Google Drive: “Find the latest version of the client proposal and summarize what we offered.”
  • Gmail: “Find the email where we agreed on the price and tell me the exact amount.”
  • Slack: “Find what the team concluded about this bug.”
  • GitHub: “Find the issue where we reported this problem.”
  • Calendar: “What do I have scheduled tomorrow?”

When the appropriate plugin is connected, you do not have to open every service separately.

Important: Availability depends on the plugin, your plan, region, and the permissions you grant it. Connecting a service does not give it unlimited access, and sensitive actions require your confirmation.

Do not just ask for an answer. Say how you want the result

Specifying the format can matter more than trying to write a “magic prompt.” Tell the model exactly how you want the response, and you are more likely to get something clean and ready to use.

Examples:

  • “Explain it in five short steps.”
  • “Make a table.”
  • “Give me a short answer first, then a detailed explanation.”
  • “Do not use technical terms.”
  • “Give me only the specific changes.”
  • “Write a finished email.”
  • “Make a checklist.”
  • “List the pros and cons.”
  • “Show only what changed.”
  • “Return the result as CSV.”
  • “Give me the final text ready to copy and paste.”

Practical tip: If you need text to send or paste into a document, add: “Return only the final result, without introductory or concluding explanations.”

Ask it to critique what you already have

One of the most useful habits for advanced users is to use ChatGPT as a strict reviewer, tester, or auditor before asking it to create new content.

Examples:

  • “Do not change anything. First find every problem in this text.”
  • “Review the code first. Suggest changes only afterward.”
  • “Find weaknesses in my plan.”
  • “List situations where this solution could fail.”
  • “Find claims that are not sufficiently supported.”
  • “Act as a strict QA tester and find edge cases.”
  • “Find what I forgot.”

Practical tip: ChatGPT often produces better work when you split a task into clear stages: 1. analysis, 2. critique, 3. plan, 4. final changes.

One good example is worth half a page of explanation

If you want a specific style, format, or code pattern, provide one good example instead of a long theoretical description.

Examples:

  • “Rewrite the next ten descriptions in this style:
    Old: ...
    Desired: ...
    Now apply the same style to the rest of the list.”
  • “Here is a well-written client response I like. Write new replies in a similar tone, but do not copy the text.”
  • “This is how we structure service functions in the project. Write a new function using the same pattern.”

Practical tip: This works especially well for emails, blog posts, documentation, code, ads, product descriptions, UI text, and social media. One short example can save dozens of instructions.

Ask it to check its own result

At the end of a demanding prompt, add a short request for a final review before the model answers:

  • For coding: “Before finishing, check edge cases and possible regressions.”
  • For research: “Separate confirmed facts from assumptions.”
  • For writing: “Check for repetition and robotic phrasing.”
  • For any task: “Before your final answer, check that you met every requirement,” or “Briefly check at the end whether anything is missing.”

Practical tip: This simple addition asks the model to evaluate its response again, which can reduce errors and omissions in complicated tasks.

20 things you can try right now

Here are twenty practical examples you can copy into a ChatGPT conversation:

  1. Error screenshot: “Explain this screenshot.”
  2. Compare documents: “Compare these two PDFs.”
  3. Current versions: “Find the latest version of this program.”
  4. Spreadsheet analysis: “Analyze this Excel file.”
  5. Debugging: “Find the bug in this code.”
  6. Change the tone: “Rewrite this email so it sounds more natural.”
  7. Research: “Research this company.”
  8. Contract analysis: “Explain this contract.”
  9. Visualization: “Create a chart from this data.”
  10. Create an illustration: “Generate a hero image for this article.”
  11. Edit an image: “Remove the background from this image.”
  12. Find a price: “Find the lowest price for this product.”
  13. Focused summary: “Summarize this document in five points.”
  14. Find disagreements: “Find contradictions in these three documents.”
  15. Fix an error: “Explain this error.”
  16. Write tests: “Create tests for this function.”
  17. Review a plan: “Find what I forgot in this plan.”
  18. Check facts: “Check whether this information is still current.”
  19. Finished copy: “Return the final text ready to publish.”
  20. Self-check: “Before your final answer, check that you met all my requirements.”

Frequently asked questions

How much does ChatGPT Plus cost?

ChatGPT Plus costs $20 per month. The subscription is billed monthly, while OpenAI API usage is billed separately based on token use.

Does ChatGPT Plus include GPT-5.6 Sol?

Yes. Plus users can access GPT-5.6 Sol. Sol also powers Instant on eligible paid plans, and Medium and High reasoning options are available.

Do I need ChatGPT Pro to use GPT-5.6 Sol?

No. GPT-5.6 Sol is available with standard Plus for $20 per month. Pro, which starts at $200 per month, adds higher reasoning levels such as Extra High, specialized Pro models, and higher limits, but it is not required for standard GPT-5.6 Sol.

Is GPT-5.6 Sol on Plus completely unlimited?

Do not treat it as unlimited in every mode. Plus provides broad access to Sol, but OpenAI says the plan has usage limits. Some reasoning modes and specialized tools have their own periodic quotas.

Is ChatGPT really unlimited for free?

Everyday text chats with GPT-5.6 Luna are unlimited, subject to OpenAI's standard safeguards against misuse. Features such as image generation, larger file uploads, and Voice have separate limits.

Do free users have GPT-5.6 Sol?

No. Free and Go users use GPT-5.6 Luna. GPT-5.6 Sol is available on paid plans starting with ChatGPT Plus at $20 per month, as well as Pro and Business plans.

Can I use ChatGPT for coding for free?

Yes. GPT-5.6 Luna can help with HTML, CSS, JavaScript, Python, small scripts, code analysis, and debugging in free text conversations.

Can ChatGPT work directly with GitHub?

Yes, if you connect the GitHub integration and grant access to the repository you want. Its capabilities depend on the permissions you grant in settings.

Can ChatGPT deploy an app by itself?

It can do so to the extent that a connected service, such as Vercel, Railway, or Render, allows through its integration. If it does not have permission to make changes, it can prepare the code and precise launch steps for you.

Does connecting an external service give ChatGPT access to all of its data?

No. ChatGPT can access only the information and actions you explicitly approve during authorization. You can revoke access at any time.

Official sources and further reading

Conclusion

ChatGPT now has a clear split. If you do not want a subscription, GPT-5.6 Luna supports unlimited everyday text chats and is enough for many tasks.

If you use ChatGPT more seriously, Plus for $20 a month gives you GPT-5.6 Sol, Medium and High reasoning, and higher limits for other features. You do not have to move to Pro just to use Sol.

Regardless of your plan, the real value of ChatGPT in 2026 is that an ordinary chat window is no longer just a place for short questions and generic answers. Once you learn to attach files, send a screenshot instead of typing, specify the exact format you need, and use the model as a reviewer as well as a writer, ChatGPT becomes a capable collaborator that can help you finish work much faster.