# Personal finance tracker with Telegram Bot and Gemini: n8n workflow

> Started by an incoming Telegram message, and works across Google Drive, Google Sheets and Telegram.

Source: https://millionrounds.com/workflow/personal-finance-tracker-with-telegram-bot-and-gemini (Millionrounds; every figure on the page links to its filing or article)

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

# Personal finance tracker with Telegram Bot and Gemini

Started by an incoming Telegram message, and works across Google Drive, 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. 27 steps, 2 branches: large, and worth reading before you trust it with anything live.

Large Calls a model: Gemini Retrieval

[Download free](https://millionrounds.com/login?next=%2Fapp%2Fworkflow%2Fpersonal-finance-tracker-with-telegram-bot-and-gemini)

**27 steps** Large: read it before trusting it with anything live

**2** Branches: places the flow splits

**0** Loops or waits

**3** Services it connects to

## The flow

Starts it 1 Model 10 Logic 6 Service 10

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

- 1 **Telegram Trigger** Telegram trigger *Starts it*
- 2 **Google Gemini Chat Model** Lm Chat Google Gemini *Model*
- 3 **Simple Memory** Memory Buffer Window *Model*
- 4 **Structured Output Parser** Output Parser Structured *Model*
- 5 **Calculator** Tool Calculator *Model*
- 6 **Get row(s) in sheet in Google Sheets** Google Sheets Tool *Service*
- 7 **Simple Memory1** Memory Buffer Window *Model*
- 8 **Calculator1** Tool Calculator *Model*
- 9 **Get row(s) in sheet in Google Sheets1** Google Sheets Tool *Service*
- 10 **Google Gemini Chat Model1** Lm Chat Google Gemini *Model*
- 11 **Switch** Switch *Logic*
- 12 **AI Agent** Agent *Model*
- 13 **AI Agent1** Agent *Model*
- 14 **Get a file1** Telegram *Service*
- 15 **Get a file2** Telegram *Service*
- 16 **Append row in sheet** Google Sheets *Service*
- 17 **Send a text message1** Telegram *Service*
- 18 **Code in JavaScript** Code *Logic*
- 19 **Upload file1** Google Drive *Service*
- 20 **Extract from File** Extract From File *Service*
- 21 **Send a text message** Telegram *Service*
- 22 **Upload file** Google Drive *Service*
- 23 **Analyze an image** Google Gemini *Model*
- 24 **Merge1** Merge *Logic*
- 25 **Merge** Merge *Logic*
- 26 **If** If *Logic*
- 27 **Aggregate1** Aggregate *Logic*

## How it's built

- **Starts on:** An incoming Telegram message
- **Steps:** 27, with 2 branches
- **Size:** Large: read it before trusting it with anything live
- **Connects to:** Google Drive, 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 Drive, 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?

Take your time. At 27 steps it is large: read it before trusting it with anything live.

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 27 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%2Fpersonal-finance-tracker-with-telegram-bot-and-gemini)
- **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 Drive](https://millionrounds.com/workflows?service=Google+Drive#library)[Google Sheets](https://millionrounds.com/workflows?service=Google+Sheets#library)[Telegram](https://millionrounds.com/workflows?service=Telegram#library)

## Workflows like it

Also data collection, with the same services where possible, closest in size first.

- [**AI email auto-responder system- AI RAG agent for email inbox** 27 steps · calls a model · Gmail, Google Docs](https://millionrounds.com/workflow/ai-email-auto-responder-system-ai-rag-agent-for-email-inbox)
- [**Build a RAG knowledge base from PDFs with Gemini and Supabase** 27 steps · calls a model · Google Drive, Google Sheets](https://millionrounds.com/workflow/build-a-rag-knowledge-base-from-pdfs-with-gemini-and-supabas)
- [**Generate AI YouTube shorts with Claude and Gemini** 27 steps · calls a model · Google Drive, Google Sheets](https://millionrounds.com/workflow/generate-ai-youtube-shorts-with-claude-and-gemini)
- [**Screen LinkedIn jobs and send tailored applications with Apify** 27 steps · calls a model · Gmail, Google Sheets](https://millionrounds.com/workflow/screen-linkedin-jobs-and-send-tailored-applications-with-api)
- [**Track AI search winners and uncover topic gaps with SE Ranking** 27 steps · Google Sheets](https://millionrounds.com/workflow/track-ai-search-winners-and-uncover-topic-gaps-with-se-ranki)
- [**AI-powered Reddit brand promotion with Claude** 26 steps · calls a model · Google Sheets, Reddit](https://millionrounds.com/workflow/ai-powered-reddit-brand-promotion-with-claude)