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Personal Finance AI Agent – Telegram Bot (n8n Workflow) A fully automated Telegram-based personal finance tracker that: Accepts receipts as images, PDFs, or plain text Uses Google Gemini Vision for OCR & intelligent extraction Logs every expense into Google Sheets Stores receipt images/PDFs in Google Drive Answers natural-language spending questions ("How much did I spend on food last month?", "Compare this month vs last month", etc.) Built entirely with n8n – 100% self-hostable, no-code/low-code. --- How It Works (Overview) You send a message to your Telegram bot → Photo of a receipt, PDF, or just text like "Nov 10 – 2500 NGN – Uber" Switch node detects the message type: Photo → Branch 0 Document (PDF/other) → Branch 1 Pure text → Branch 2 (goes straight to query agent) Receipt Processing Path (Images & PDFs) Files downloaded from Telegram → uploaded to Google Drive ("Monthly receipts" folder) Images → OCR with Gemini Vision PDFs → native PDF text extraction Extracted text + Drive link → merged → sent to Gemini AI Agent AI extracts: Date (YYYY-MM-DD) • Amount (NGN) • Description • Category (food, transportation, subscriptions, takeouts, entertainment, gift, electricity, repairs, other stuffs) Clean JSON → appended to Google Sheets → friendly confirmation sent back Spending Query Path (Text questions) Second AI Agent with access to the live Google Sheet + calculator + memory Answers anything: totals, breakdowns, comparisons, trends, percentages… --- Live Google Sheet (Template) You can make a copy of the exact sheet the bot uses: https://docs.google.com/spreadsheets/d/1kwWJquPpwL9vt9U06a4f4phXq5jZjaGazvh2V69FGoc/edit?usp=sharing Just click File → Make a copy and use your copy’s ID in the workflow. --- Setup Steps (Step-by-Step) Prerequisites n8n instance (cloud or self-hosted) Telegram bot (created via @BotFather) Google account Create Telegram Bot Message @BotFather → /newbot Copy the bot token In n8n → Credentials → New Telegram API credential → paste token Google Setup Make a copy of the sheet above → Copy the new spreadsheet ID from the URL Create a Google Drive folder called "Monthly receipts" (or any name) → copy folder ID Enable Gemini API in Google Cloud (or use your existing key) In n8n create these credentials: Google Sheets OAuth2 API Google Drive OAuth2 API Google Gemini (PaLM) API Import Workflow Copy the full JSON from the original file n8n → Workflows → Import → paste → Import Update IDs & Credentials After import, configure these nodes: | Node | What to Change | |-----------------------------------|-----------------------------------------------------| | Telegram Trigger + all Telegram nodes | Your Telegram credential | | Google Sheets nodes | Your Google Sheets credential + new Sheet ID | | Google Drive "Upload file" nodes | Paste your "Monthly receipts" folder ID | | Gemini nodes | Your Gemini credential | | AI Agent & AI Agent1 | Verify model, memory, tools are connected | Activate & Test Click Activate Start chatting with your bot on Telegram Test commands Send a photo/PDF receipt Type: How much did I spend last month? Type: Show me food spending this month vs last month You’ll get instant replies and see new rows appear in your sheet! --- Features Zero manual entry ever again Works with handwritten receipts Smart categorization Natural-language spending insights All data stays 100% in your Google account Completely private & self-hostable NGN-native (Naira) Never track expenses manually again!
