# AI-powered personal finances manager with Gemini and Telegram: n8n workflow

> Started by an incoming Telegram message, and works across Google Sheets and Telegram. It puts Gemini behind a retrieval step, so answers are drawn from...

Source: https://millionrounds.com/workflow/ai-powered-personal-finances-manager-with-gemini-and-telegra (Millionrounds; every figure on the page links to its filing or article)

[Automation library](https://millionrounds.com/workflows) · [Chat assistants](https://millionrounds.com/workflows?category=Chat+assistants#library)

# AI-powered personal finances manager with Gemini and Telegram

Started by an incoming Telegram message, and works across Google Sheets and Telegram. It puts Gemini behind a retrieval step, so answers are drawn from documents you supply rather than from the model alone. 14 steps, 1 branch: a working afternoon to understand properly.

Medium Calls a model: Gemini Retrieval

[Download free](https://millionrounds.com/login?next=%2Fapp%2Fworkflow%2Fai-powered-personal-finances-manager-with-gemini-and-telegra)

**14 steps** Medium: a working afternoon

**1** Branch: places the flow splits

**0** Loops or waits

**2** Services it connects to

## The flow

Starts it 1 Model 5 Logic 1 Service 7

The steps in the order they run, from what starts it.

- 1 **Google Gemini Chat Model** Lm Chat Google Gemini *Model*
- 2 **Calculator** Tool Calculator *Model*
- 3 **update_register** Google Sheets Tool *Service*
- 4 **get_all_registers** Google Sheets Tool *Service*
- 5 **create_new_register** Google Sheets Tool *Service*
- 6 **delete_register** Google Sheets Tool *Service*
- 7 **Simple Memory** Memory Buffer Window *Model*
- 8 **Telegram Bot Trigger** Telegram trigger *Starts it*
- 9 **Financial Agent** Agent *Model*
- 10 **Switch** Switch *Logic*
- 11 **Send Response** Telegram *Service*
- 12 **Get a file** Telegram *Service*
- 13 **Send Fallback Message** Telegram *Service*
- 14 **Transcribe a recording** Google Gemini *Model*

## How it's built

- **Starts on:** An incoming Telegram message
- **Steps:** 14, with 1 branch
- **Size:** Medium: a working afternoon
- **Connects to:** Google Sheets, Telegram
- **Model:** Gemini
- **Retrieval:** Answers are drawn from documents you supply, not from the model alone

## Questions

What does it need to run?

An n8n account, plus your own Google Sheets and Telegram accounts, and a key for Gemini. You connect your own accounts after importing it; none are included.

What starts it?

It starts on an incoming Telegram message.

Does it use AI?

Yes. It calls Gemini. Its answers draw on documents you give it, not on the model alone. Model calls are billed by the provider, not by n8n.

How long does it take to set up?

Plan an afternoon. 14 steps is enough that you should read each one before running it.

How do I import it?

Copy the workflow, open a new workflow in n8n and paste. The steps appear on the canvas, ready for your own accounts.

**Before you run it**

Nothing here has been tested by us. It is somebody's working automation, read and described from its own steps. Treat the connections it wants as a list of accounts it will touch, and read the 14 steps before you point it at anything that matters.

## Run it in n8n

- **Create your n8n account** Free to start. n8n is where the workflow runs. [Create an n8n account ↗](https://millionrounds.com/n8n)
- **Download the workflow** Free with a Millionrounds account. [Download free](https://millionrounds.com/login?next=%2Fapp%2Fworkflow%2Fai-powered-personal-finances-manager-with-gemini-and-telegra)
- **Paste it into n8n** Open a new workflow in n8n and paste. Then connect your own accounts.

Stored with the author's traces removed: canvas notes, instance identifiers, saved credential names and any live document they had left behind.

## Connects to

Each opens the other workflows that use it.

[Google Sheets](https://millionrounds.com/workflows?service=Google+Sheets#library)[Telegram](https://millionrounds.com/workflows?service=Telegram#library)

## Workflows like it

Also chat assistants, with the same services where possible, closest in size first.

- [**AI-powered Telegram bot for Bible verse management** 14 steps · calls a model · Telegram](https://millionrounds.com/workflow/ai-powered-telegram-bot-for-bible-verse-management)
- [**Automate news intelligence with Gemini and Slack** 14 steps · calls a model · Google Sheets, Notion](https://millionrounds.com/workflow/automate-news-intelligence-with-gemini-and-slack)
- [**Automate rental agreements with Google Sheets and Gemini** 14 steps · calls a model · Google Sheets, Telegram](https://millionrounds.com/workflow/automate-rental-agreements-with-google-sheets-and-gemini)
- [**Coordinate move-out cleaning and repair tasks with Sheets** 14 steps · calls a model · Gmail, Google Sheets](https://millionrounds.com/workflow/coordinate-move-out-cleaning-and-repair-tasks-with-sheets)
- [**Create a factual learning assistant with RAG and Gemini** 14 steps · calls a model · Google Drive, Telegram](https://millionrounds.com/workflow/create-a-factual-learning-assistant-with-rag-and-gemini)
- [**Create an AI shopping assistant on Telegram with OpenAI** 14 steps · calls a model · Google Sheets, Pinecone](https://millionrounds.com/workflow/create-an-ai-shopping-assistant-on-telegram-with-openai)