AI-powered personal finances manager with Gemini, Telegram & Google Sheets
Who’s it for
This template is designed for individuals who want to gain full control over their personal finances without the hassle of manual tracking. Ideal for freelancers, small business owners, or anyone who wants a simple, automated way to monitor income and expenses.
How it works / What it does
Using n8n, Telegram, and Google Sheets, this workflow allows you to log, edit, and query your financial transactions through simple Telegram messages. The AI interprets your input—whether text or audio—and automatically categorizes your income and expenses. Responses are delivered fully formatted in Telegram HTML, giving you clean, readable summaries and insights.
Features include:
- Add, edit, and delete transactions automatically
- Query totals and category-specific expenses, e.g., “How much did I spend on food this month?”
- Generate financial summaries and monthly reports
- Automatic ID assignment and date handling
How to set up
- Deploy this workflow on your self-hosted n8n instance.
- Connect your Telegram Bot and Google Sheets account.
- Configure the Google Gemini AI node for message interpretation.
- Update sheet headers and categories if needed.
- Start sending messages to your Telegram bot to track expenses instantly.
How to Set Up the Google Sheet
To use this workflow, you’ll need a Google Sheet with the following structure:
| Column Name | Description | | ------------------- | ----------------------------------------------- | | id | Unique sequential identifier (auto-incremented) | | type | "income" or "expense" | | value | Monetary value (format: 1234.56) | | category | Classification of the transaction | | payment_method | Payment method used (e.g., card, cash, PIX) | | description | Details about the transaction | | date | Transaction date (format: yyyy-MM-dd) |
Make sure the column headers match exactly as shown above, and leave the rows empty for the bot to fill automatically.
Requirements
- n8n (self-hosted or cloud instance)
- Telegram Bot API
- Google Sheets
- Google Gemini AI or equivalent AI node
AI-Powered Personal Finances Manager with Gemini, Telegram & Google Sheets
This n8n workflow automates the management of personal finances by integrating a Telegram bot with Google Gemini's AI capabilities and Google Sheets for data storage. It allows users to log expenses, ask questions about their finances, and receive intelligent responses, all through a simple Telegram chat.
What it does
This workflow streamlines your personal finance tracking and querying:
- Listens for Telegram Messages: It acts as a Telegram bot, listening for incoming messages from users.
- Processes Messages with AI: It uses a Google Gemini-powered AI Agent to understand the user's intent and respond appropriately.
- Maintains Conversational Context: A simple memory buffer helps the AI Agent remember previous interactions, allowing for more natural and continuous conversations.
- Enables Calculations: The AI Agent can utilize a calculator tool to perform numerical operations when needed (e.g., summing expenses, calculating averages).
- Responds via Telegram: The AI Agent's response is sent back to the user through the Telegram bot.
Prerequisites/Requirements
To use this workflow, you will need:
- n8n Account: An active n8n instance (cloud or self-hosted).
- Telegram Bot Token: A Telegram bot created via BotFather.
- Google Gemini API Key: Access to the Google Gemini API.
- Google Sheets (Optional, but implied by directory name): While not explicitly present in the provided JSON, the workflow's directory name suggests an integration with Google Sheets for storing financial data. You would typically need a Google account with access to Google Sheets.
Setup/Usage
- Import the Workflow: Import the provided JSON into your n8n instance.
- Configure Telegram Trigger:
- Add your Telegram Bot Token to the "Telegram Trigger" node's credentials.
- Set up a webhook for your Telegram bot to point to your n8n instance.
- Configure Google Gemini Chat Model:
- Add your Google Gemini API Key to the "Google Gemini Chat Model" node's credentials.
- Activate the Workflow: Once configured, activate the workflow.
You can now interact with your Telegram bot. Send messages related to your finances, and the AI will respond. For example, you could ask: "What was my total spending last month?" or "Add a new expense: $50 for groceries." (Note: The current JSON only shows the AI processing and response, not the actual Google Sheets logging. For full functionality as implied by the directory name, you would extend this workflow with Google Sheets nodes).
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