Track bank SMS expenses with Google Sheets, Telegram and Claude
Ready for 3.0Ready for 3.0. This template uses no nodes that n8n 3.0 removes. No removed nodes, versions or helpers found. Static check, last run 2026-10-19.
Nodes used (12)
- Webhook
n8n-nodes-base.webhook - Code
n8n-nodes-base.code - If
n8n-nodes-base.if - Google Sheets
n8n-nodes-base.googleSheets - Respond to Webhook
n8n-nodes-base.respondToWebhook - Telegram Trigger
n8n-nodes-base.telegramTrigger - AI Agent
@n8n/n8n-nodes-langchain.agent - Anthropic Chat Model
@n8n/n8n-nodes-langchain.lmChatAnthropic - Simple Memory
@n8n/n8n-nodes-langchain.memoryBufferWindow - Google Sheets Tool
n8n-nodes-base.googleSheetsTool - Calculator
@n8n/n8n-nodes-langchain.toolCalculator - Telegram
n8n-nodes-base.telegram
What it does
Quick overview This workflow captures bank SMS alerts via a secured webhook, parses them into structured transactions, and stores them in Google Sheets, while also running a Telegram bot powered by Anthropic Claude to answer spending questions using the ledger and a review queue. How it works 1. Receives forwarded bank SMS messages through an authenticated webhook request. 2. Parses and normalizes the SMS text to extract fields like amount, debit/credit, date, merchant, payment method, reference ID, and account last 4, while rejecting OTPs and non-allowlisted senders. 3. If the SMS is a complete, valid transaction, upserts it into the Google Sheets Expenses ledger and returns a 200 JSON confirmation to the sender. 4. If the SMS is incomplete but not rejected, upserts it into a Google Sheets ReviewQueue tab and returns a 200 JSON response indicating manual review is needed. 5. If the SMS is rejected (for example OTP or unknown sender), returns a 422 JSON rejection response. 6. Triggers on incoming Telegram messages and sends the user’s question to a LangChain agent using Anthropic Claude with short-term conversation memory. 7. The agent reads transactions and the review queue from Google Sheets (and uses a calculator tool for exact math) and sends a plain-text reply back to the same Telegram chat. Setup 1. Create a Google Sheets spreadsheet with Expenses and ReviewQueue tabs (with columns matching the workflow fields) and connect a Google Sheets OAuth2 credential, then select the correct document and sheet in all Google Sheets nodes/tools. 2. Create an HTTP Header Auth credential for the webhook and configure your Android SMS forwarder to POST to the webhook URL with the required header plus message, sender, eventid, and sentat in the request body. 3. Update the allowedSenders list in the parsing code to include your bank’s sender IDs so legitimate alerts are accepted. 4. Create a Telegram bot with BotFather, add your Telegram credential in n8n, and enable the Telegram trigger and reply nodes for your bot. 5. Add an Anthropic credential (or AI Gateway-managed access) for the Claude chat model used by the agent.