Track your income and expenses by texting a Telegram bot

Send a Telegram message or voice note and AI logs your spending or income straight into a spreadsheet.

How the work actually flows

It branches. Exactly one path is taken.

Pattern: Exclusive Choice (4) · Simple Merge (5)

flowchart TD trig>"user sends telegram message"]:::trig s0["interpret message with AI"]:::svc s1["reply in telegram"]:::task trig --> s0 gx{"× transaction or question"}:::gate s0 --> gx p00["categorize and log transaction"]:::task gx -->|"record transaction"| p00 p10["look up spending data"]:::task gx -->|"answer question"| p10 jn{"○ reply to user"}:::gate p00 --> jn p10 --> jn jn --> s1 out[/"running ledger and instant answers"/]:::out pay{{"track finances without a budgeting app"}}:::pay s1 --> out out --> pay classDef task fill:#e7f6fe,stroke:#34b8f0,color:#2c2a29 classDef svc fill:#f6f8fa,stroke:#7c8795,color:#2c2a29 classDef mi fill:#e7f6fe,stroke:#0079a8,color:#2c2a29,stroke-width:2px classDef human fill:#fff,stroke:#0079a8,color:#0079a8 classDef store fill:#f6f8fa,stroke:#0079a8,color:#2c2a29 classDef trig fill:#00a4eb,stroke:#0079a8,color:#fff,font-weight:bold classDef trigtime fill:#00a4eb,stroke:#0079a8,color:#fff,font-weight:bold classDef trigdata fill:#8ad4f5,stroke:#0079a8,color:#06314c,font-weight:bold classDef gate fill:#fff,stroke:#e8a23d,color:#6b4708,font-weight:bold classDef out fill:#1f9d6b,stroke:#167a53,color:#fff,font-weight:bold classDef pay fill:#06314c,stroke:#021f33,color:#fff
Starts itA stepAn outside serviceOne path onlyPaths rejoinResultPayoff
Build size
Advanced

A larger build with multiple systems, AI reasoning, and custom rules.

Business functions
AI Agents & Autonomous SystemsVoice & PhoneMessaging & NotificationsSpreadsheet & Database OpsFinance & Accounting
Connects
TelegramGoogle SheetsGemini

The problem it solves

You mean to track your spending but never open the budgeting app, so purchases pile up until you've lost track of where your money went. Asking a simple question like how much you spent on food this month means digging through statements by hand.

Who it fits

A freelancer or small business owner who wants to track personal or business finances without a dedicated bookkeeping app.

How it works

  1. You send a text or voice message to your Telegram bot describing a purchase or payment
  2. Google Gemini interprets the message and figures out whether it's income or an expense
  3. The transaction is categorized and logged into a spreadsheet with a date and ID
  4. You can ask the bot questions like your spending on food this month
  5. The bot replies in Telegram with a formatted summary or answer
What you get

Spending logged without opening an app

You get your income and expenses logged automatically just by texting or sending a voice note to a Telegram bot.

What you get

A running spreadsheet ledger of your transactions plus instant answers to spending questions in Telegram.

What you need

A Telegram bot, a Google Workspace account, and a Google Gemini API key.

We can build this. But should you?

The hard question is not how to build it. It is whether this is the right thing to build first.

That is what a Fractional Chief AI Officer figures out with you, before anyone writes a line of code.

Let's Talk Strategy

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