Automatically track expenses from bank emails and Telegram messages

Reads your bank and UPI emails or Telegram messages, sorts each expense with AI, and logs it to a budget spreadsheet.

How the work actually flows

It branches. Exactly one path is taken.

Pattern: Exclusive Choice (4)

flowchart TD trig>"bank or telegram message arrives"]:::trig s0["extract transaction details"]:::task s1["categorize expense"]:::task s2[("log to spreadsheet")]:::store s3["check budget threshold"]:::task trig --> s0 s0 --> s1 s1 --> s2 s2 --> s3 gx{"× over budget"}:::gate s3 --> gx p00["send alert"]:::task gx -->|"over budget"| p00 p10["no action"]:::task gx -->|"within budget"| p10 p00 --> out p10 --> out out[/"expense logged with budget alert"/]:::out pay{{"spending tracked without manual entry"}}:::pay 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 stepA record or sheetOne path onlyResultPayoff
Build size
Advanced

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

Business functions
Email AutomationMessaging & NotificationsSpreadsheet & Database OpsFinance & Accounting
Connects
GmailTelegramGoogle GeminiGoogle Sheets

The problem it solves

Manually copying every bank transaction and UPI payment into a budget spreadsheet is tedious, and small purchases are easy to forget entirely. Without a running record, it's hard to know if you're actually staying within your monthly budget until it's too late.

Who it fits

Individuals, families, or small teams who want their spending tracked automatically without manual entry.

How it works

  1. A new bank or UPI transaction email arrives, or a Telegram message is sent
  2. AI reads the message and pulls out the amount, date, and merchant
  3. AI categorizes the expense automatically
  4. The transaction is logged as a new row in your budget spreadsheet
  5. If you go over a category's budget, you get an alert
What you get

Spending that's tracked without you typing it in

You get every purchase from your bank and messages sorted and logged automatically, with a nudge whenever a category runs over budget.

What you get

An up-to-date expense log in Google Sheets, with automatic budget-vs-actual alerts.

What you need

A Gmail account, a Telegram account, a Google Gemini API key, and a Google Sheets account.

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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