How to Set Up an AI Budget Tracker Using n8n + Telegram (n8n tutorial)

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I Built a Finance Tracking AI Agent with Telegram + GPT (No-Code)

In this video, I’ll show you how to build a fully automated finance tracker that uses Telegram, OpenAI, and Google Sheets, in less than 20 minutes.

You can send expenses to your agent via text or voice, and it’ll:

Log your expenses in a categorized spreadsheet
Track spending across groceries, gas, eating out, etc.
Return summaries or your last logged transactions
Handle natural language + audio input with AI 🔥

This is built entirely with n8n using:
Telegram trigger setup
OpenAI’s Whisper + GPT-4
Google Sheets automations
Tools and custom system prompt

I use this agent weekly to manage my personal spending — but it works great for freelancers, business owners, or anyone who wants a smarter way to track expenses.