AI-powered personal finances manager with Gemini, Telegram & Google Sheets

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Important notice

This workflow is provided as-is. Please review and test before using in production.

1. Workflow Overview

Who’s it for This template is designed for individuals who want to gain full control over their personal finances without the hassle of manual tracking. Ideal for freelancers, small business owners...

Best for

Personal Productivity automation workflows
Multimodal AI automation workflows
advanced n8n builders looking for reusable templates

Tools used

n8n-nodes-base.switch, n8n-nodes-base.telegram, @n8n/n8n-nodes-langchain.googlegemini, @n8n/n8n-nodes-langchain.lmchatgooglegemini, @n8n/n8n-nodes-langchain.toolcalculator, n8n-nodes-base.googlesheetstool, @n8n/n8n-nodes-langchain.memorybufferwindow, @n8n/n8n-nodes-langchain.agent

Source and attribution

This workflow is cataloged by N8N Workflows and links back to its original n8n.io source page by Vitorio Magalhães.

Original n8n.io source

1.1 Workflow description

Title: AI-powered personal finances manager with Gemini, Telegram & Google Sheets
Workflow name: AI-powered personal finances manager with Gemini, Telegram & Google Sheets

Who’s it for

This template is designed for individuals who want to gain full control over their personal finances without the hassle of manual tracking. Ideal for freelancers, small business owners, or anyone who wants a simple, automated way to monitor income and expenses.

How it works / What it does

Using n8n, Telegram, and Google Sheets, this workflow allows you to log, edit, and query your financial transactions through simple Telegram messages. The AI interprets your input—whether text or audio—and automatically categorizes your income and expenses. Responses are delivered fully formatted in Telegram HTML, giving you clean, readable summaries and insights.

Features include:

Add, edit, and delete transactions automatically
Query totals and category-specific expenses, e.g., “How much did I spend on food this month?”
Generate financial summaries and monthly reports
Automatic ID assignment and date handling

How to set up

Deploy this workflow on your self-hosted n8n instance.
Connect your Telegram Bot and Google Sheets account.
Configure the Google Gemini AI node for message interpretation.
Update sheet headers and categories if needed.
Start sending messages to your Telegram bot to track expenses instantly.

How to Set Up the Google Sheet

To use this workflow, you’ll need a Google Sheet with the following structure:

Column Name	Description
id	Unique sequential identifier (auto-incremented)
type	"income" or "expense"
value	Monetary value (format: 1234.56)
category	Classification of the transaction
payment_method	Payment method used (e.g., card, cash, PIX)
description	Details about the transaction
date	Transaction date (format: yyyy-MM-dd)

Make sure the column headers match exactly as shown above, and leave the rows empty for the bot to fill automatically.

Requirements

n8n (self-hosted or cloud instance)
Telegram Bot API
Google Sheets
Google Gemini AI or equivalent AI node

1.2 Logical Blocks

This catalog entry is organized from the workflow JSON. The node-level section below shows the executable blocks available for review before importing the template.

2. Block-by-Block Analysis

Block 1 - Switch

Type / Role: n8n-nodes-base.switch - switch
Config choices: Version 3.2

Block 2 - Get a file

Type / Role: n8n-nodes-base.telegram - telegram
Config choices: Version 1.2

Block 3 - Transcribe a recording

Type / Role: @n8n/n8n-nodes-langchain.googleGemini - googleGemini
Config choices: Version 1

Block 4 - Google Gemini Chat Model

Type / Role: @n8n/n8n-nodes-langchain.lmChatGoogleGemini - lmChatGoogleGemini
Config choices: Version 1

Block 5 - Calculator

Type / Role: @n8n/n8n-nodes-langchain.toolCalculator - toolCalculator
Config choices: Version 1

Block 6 - update_register

Type / Role: n8n-nodes-base.googleSheetsTool - googleSheetsTool
Config choices: Version 4.6

Block 7 - get_all_registers

Type / Role: n8n-nodes-base.googleSheetsTool - googleSheetsTool
Config choices: Version 4.6

Block 8 - create_new_register

Type / Role: n8n-nodes-base.googleSheetsTool - googleSheetsTool
Config choices: Version 4.6

Block 9 - delete_register

Type / Role: n8n-nodes-base.googleSheetsTool - googleSheetsTool
Config choices: Version 4.6

Block 10 - Simple Memory

Type / Role: @n8n/n8n-nodes-langchain.memoryBufferWindow - memoryBufferWindow
Config choices: Version 1.3

Block 11 - Financial Agent

Type / Role: @n8n/n8n-nodes-langchain.agent - agent
Config choices: Version 2

Block 12 - Send Fallback Message

Type / Role: n8n-nodes-base.telegram - telegram
Config choices: Version 1.2

Block 13 - Send Response

Type / Role: n8n-nodes-base.telegram - telegram
Config choices: Version 1.2

Block 14 - Sticky Note

Type / Role: n8n-nodes-base.stickyNote - stickyNote
Config choices: Version 1

Block 15 - Telegram Bot Trigger

Type / Role: n8n-nodes-base.telegramTrigger - telegramTrigger
Config choices: Version 1.2

Block 16 - Sticky Note1

Type / Role: n8n-nodes-base.stickyNote - stickyNote
Config choices: Version 1

Block 17 - Sticky Note2

Type / Role: n8n-nodes-base.stickyNote - stickyNote
Config choices: Version 1

Block 18 - Sticky Note3

Type / Role: n8n-nodes-base.stickyNote - stickyNote
Config choices: Version 1

Block 19 - Sticky Note4

Type / Role: n8n-nodes-base.stickyNote - stickyNote
Config choices: Version 1

Block 20 - Sticky Note5

Type / Role: n8n-nodes-base.stickyNote - stickyNote
Config choices: Version 1

Block 21 - Sticky Note6

Type / Role: n8n-nodes-base.stickyNote - stickyNote
Config choices: Version 1

3. Summary Table

Workflow	AI-powered personal finances manager with Gemini, Telegram & Google Sheets
Complexity	advanced
Nodes	21
Categories	Personal Productivity, Multimodal AI
Author	Vitorio Magalhães
Published	15 Aug 2025

4. Reproducing the Workflow from Scratch

1. Download the workflow JSON

Use the JSON export at /data/workflows/7411/7411.json as the source template for this automation.
2. Import the template into n8n

Open n8n, import the downloaded JSON, and review each node before activating the workflow.
3. Configure credentials and variables

Replace placeholder credentials, API keys, webhook URLs, account IDs, and environment-specific values with your own settings.
4. Test with sample data

Run the workflow manually or in a staging workspace, inspect node output, and confirm downstream systems receive the expected data.
5. Activate and monitor

Enable the workflow only after testing, then monitor executions, errors, and rate limits during the first production runs.

5. General Notes & Resources

Review imported nodes carefully before activation. This catalog entry is intended to help you inspect the workflow structure, understand required services, and find related templates faster.

Node names, credentials, schedules, webhook paths, and external service limits may need adjustment for your workspace.

Download workflow JSON Original n8n.io source Personal Productivity workflows Multimodal AI workflows

Frequently asked questions

What does AI-powered personal finances manager with Gemini, Telegram & Google Sheets do?

What do I need before importing this workflow?

Review the workflow JSON, configure any required credentials in n8n, and test the automation in a safe workspace before using it in production.

Can I customize this workflow?

Yes. Use the block-by-block analysis and the downloadable JSON to inspect each node, then adjust credentials, prompts, schedules, filters, or destinations for your Personal Productivity, Multimodal AI use case.

Vitorio Magalhães

4 workflows

Nodes

n8n-nodes-base.switch n8n-nodes-base.telegram @n8n/n8n-nodes-langchain.googlegemini @n8n/n8n-nodes-langchain.lmchatgooglegemini @n8n/n8n-nodes-langchain.toolcalculator n8n-nodes-base.googlesheetstool @n8n/n8n-nodes-langchain.memorybufferwindow @n8n/n8n-nodes-langchain.agent

Complexity

advanced

Published 15 Aug 2025

Likes 0

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Install path: /data/workflows/7411/7411.json

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AI-powered personal finances manager with Gemini, Telegram & Google Sheets

Workflow preview

Important notice

1. Workflow Overview

Best for

Tools used

Source and attribution

1.1 Workflow description

Who’s it for

How it works / What it does

How to set up

How to Set Up the Google Sheet

Requirements

1.2 Logical Blocks

2. Block-by-Block Analysis

Block 1 - Switch

Block 2 - Get a file

Block 3 - Transcribe a recording

Block 4 - Google Gemini Chat Model

Block 5 - Calculator

Block 6 - update_register

Block 7 - get_all_registers

Block 8 - create_new_register

Block 9 - delete_register

Block 10 - Simple Memory

Block 11 - Financial Agent

Block 12 - Send Fallback Message

Block 13 - Send Response

Block 14 - Sticky Note

Block 15 - Telegram Bot Trigger

Block 16 - Sticky Note1

Block 17 - Sticky Note2

Block 18 - Sticky Note3

Block 19 - Sticky Note4

Block 20 - Sticky Note5

Block 21 - Sticky Note6

3. Summary Table

4. Reproducing the Workflow from Scratch

1. Download the workflow JSON

2. Import the template into n8n

3. Configure credentials and variables

4. Test with sample data

5. Activate and monitor

5. General Notes & Resources

Frequently asked questions