Personal finance tracker with Telegram Bot, Google Gemini Vision, and Sheets

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) 1. You send a message to your Telegram bot → Photo of a receipt, PDF, or just text like "Nov 10 – 2500 NGN – Uber" 2. Switch node detects the message type: - Photo → Branch 0 - Document (PDF/other) → Branch 1 - Pure text → Branch 2 (goes straight to query agent) 3. 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 4. 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 1. Create Telegram Bot 1. Message @BotFather → /newbot 2. Copy the bot token 3. In n8n → Credentials → New Telegram API credential → paste token 2. Google Setup 1. Make a copy of the sheet above → Copy the new spreadsheet ID from the URL 2. Create a Google Drive folder called "Monthly receipts" (or any name) → copy folder ID 3. Enable Gemini API in Google Cloud (or use your existing key) 4. In n8n create these credentials: - Google Sheets OAuth2 API - Google Drive OAuth2 API - Google Gemini (PaLM) API 3. Import Workflow - Copy the full JSON from the original file - n8n → Workflows → Import → paste → Import 4. 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 | 5. 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!