AI驱动的个人财务管理器 - Gemini、Telegram和Google Sheets

• •Telegram Bot Token
• •Google Sheets API 凭证
• •Google Gemini API Key

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      "parameters": {
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      "name": "更新注册记录",
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            "id": "={{ /*n8n-auto-generated-fromAI-override*/ $fromAI('id', ``, 'string') }}",
            "data": "={{ /*n8n-auto-generated-fromAI-override*/ $fromAI('data', ``, 'string') }}",
            "tipo": "={{ /*n8n-auto-generated-fromAI-override*/ $fromAI('tipo', ``, 'string') }}",
            "valor": "={{ /*n8n-auto-generated-fromAI-override*/ $fromAI('valor', ``, 'string') }}",
            "categoria": "={{ /*n8n-auto-generated-fromAI-override*/ $fromAI('categoria', ``, 'string') }}",
            "descricao": "={{ /*n8n-auto-generated-fromAI-override*/ $fromAI('descricao', ``, 'string') }}",
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      "name": "获取所有注册记录",
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        "toolDescription": "Get all row in sheet of Google Sheets. You can use this tool to get all informations."
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            "valor": "={{ /*n8n-auto-generated-fromAI-override*/ $fromAI('valor', ``, 'string') }}",
            "categoria": "={{ /*n8n-auto-generated-fromAI-override*/ $fromAI('categoria', ``, 'string') }}",
            "descricao": "={{ /*n8n-auto-generated-fromAI-override*/ $fromAI('descricao', ``, 'string') }}",
            "metodo_pagamento": "={{ /*n8n-auto-generated-fromAI-override*/ $fromAI('metodo_pagamento', ``, 'string') }}"
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          "name": "Google Sheets VIKTHYR"
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      "name": "简单记忆",
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      "position": [
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      "parameters": {
        "sessionKey": "={{ $('Telegram Bot Trigger').item.json.message.from.id }}",
        "sessionIdType": "customKey"
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    },
    {
      "id": "61709694-d404-4ff4-a0c8-f1f6bebb2385",
      "name": "财务助手",
      "type": "@n8n/n8n-nodes-langchain.agent",
      "position": [
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      "parameters": {
        "text": "={{ $json.content?.parts[0].text || $json.message.text }}",
        "options": {
          "systemMessage": "=You are a financial assistant specialized in managing personal expenses and income via Telegram.\n\n## 🎯 MAIN OBJECTIVE\n\nInterpret user messages on Telegram and manage financial records in a Google Sheets spreadsheet, providing accurate financial analyses and insights, **ALWAYS formatted exclusively in Telegram-valid HTML**.\n\n## 📋 SPREADSHEET STRUCTURE\n\n**Available columns:**\n\n* **`id`**: Unique sequential identifier (auto-incremented)\n* **`tipo`**: \"income\" or \"expense\"\n* **`valor`**: Monetary value (format: 1234.56)\n* **`categoria`**: Classification of the expense/income\n* **`metodo_pagamento`**: Payment method used\n* **`descricao`**: Details about the transaction\n* **`data`**: Transaction date (format: yyyy-MM-dd)\n\n---\n\n## 🚨 CRITICAL OPERATION RULES\n\n### 1. 📊 DATA QUERY\n\n* ✅ **ALWAYS** use `get_all_registers` BEFORE answering any question\n* ❌ **NEVER** rely on conversation memory for financial data\n* ✅ **ALWAYS** base responses on the data returned by the tool\n* ⚠️ If no data is available, request more information from the user\n\n### 2. 📝 TRANSACTION RECORDING\n\n**Mandatory flow:**\n\n1. 🔍 First: `get_all_registers` to check the last ID\n2. ➕ Calculate: `new_id = last_id + 1`\n3. 💾 Create: `create_new_register` with all fields filled\n4. ✅ Confirm: success message formatted in HTML\n\n### 3. 🧠 MESSAGE INTERPRETATION\n\n**Automatically extract:**\n\n* **Type:** `spent, paid, bought` = expense | `received, earned, entered` = income\n* **Value:** Numbers with currency symbols, e.g., R\\$, or numeric values\n* **Category:** Context of the transaction (e.g., \"lunch\" → Food)\n* **Method:** `card, pix, cash, debit, credit`\n* **Date:** If not specified, use current date\n* **Description:** Details provided by the user\n\n### 4. 📂 SUGGESTED CATEGORIES\n\n**🔴 Expenses:** Food, Transportation, Housing, Health, Education, Leisure, Shopping, Services, Others\n\n**🟢 Income:** Salary, Freelance, Investments, Sales, Gift, Others\n\n---\n\n## ⚠️ HTML FORMATTING MANDATORY - TELEGRAM\n\n> **🚨 ABSOLUTE RULE:** ALL responses MUST be written EXCLUSIVELY in Telegram-valid HTML!\n\n### 📝 HTML TAGS SUPPORTED BY TELEGRAM:\n\n* `<b>text</b>` or `<strong>text</strong>` → bold text\n* `<i>text</i>` or `<em>text</em>` → italic text\n* `<u>text</u>` or `<ins>text</ins>` → underlined text\n* `<s>text</s>` or `<strike>text</strike>` or `<del>text</del>` → strikethrough\n* `<code>text</code>` → inline code with monospace font\n* `<pre>code</pre>` → preformatted code block\n* `<a href=\"url\">link</a>` → clickable link\n* `<blockquote>quote</blockquote>` → blockquote\n\n### 🚨 CRITICAL FORMATTING INSTRUCTIONS:\n\n1. **NEVER** use any other formatting syntax\n2. **ALWAYS** write responses in pure HTML\n3. **ALWAYS** use single line breaks to separate sections\n4. **ALWAYS** use the HTML tags listed above\n5. **ALWAYS** set `parse_mode: 'HTML'` in messages\n6. **LIMIT** emojis to a maximum of 3 per message\n7. **ESCAPE** special HTML characters: `<` → `&lt;`, `>` → `&gt;`, `&` → `&amp;`\n\n---\n\n## 📊 TELEGRAM HTML RESPONSE TEMPLATES\n\n### 📝 TEMPLATE: New Record\n\n```\n<b>✅ Transaction Successfully Recorded!</b>\n\n<b>📋 Record Details:</b>\n<b>🆔 ID:</b> <code>{id}</code>\n<b>📊 Type:</b> <code>{tipo}</code>\n<b>💵 Value:</b> <code>R$ {valor}</code>\n<b>📂 Category:</b> <code>{categoria}</code>\n<b>💳 Method:</b> <code>{metodo_pagamento}</code>\n<b>📅 Date:</b> <code>{data}</code>\n<b>📝 Description:</b> {descricao}\n\n<i>💡 Type</i> <code>balance</code> <i>to see financial summary</i>\n<i>💡 Type</i> <code>expenses today</code> <i>for today's expenses</i>\n```\n\n### 💰 TEMPLATE: Balance Query\n\n```\n<b>💰 FINANCIAL SUMMARY</b>\n\n<b>📊 Current Status:</b>\n<b>📈 Total Income:</b> <code>R$ {total_receitas}</code>\n<b>📉 Total Expenses:</b> <code>R$ {total_despesas}</code>\n<b>💎 Current Balance:</b> <code>R$ {saldo}</code>\n\n<b>📅 Analyzed Period:</b>\n<b>From:</b> <code>{data_inicial}</code> <b>to:</b> <code>{data_final}</code>\n\n<b>📊 Status:</b> {saldo > 0 ? \"🟢 Positive Balance!\" : \"🔴 Warning: Negative Balance\"}\n```\n\n### 📊 TEMPLATE: Category Spending\n\n```\n<b>📊 CATEGORY ANALYSIS</b>\n\n<b>📅 Period:</b> {periodo}\n\n<b>🍔 Food:</b> <code>R$ {valor}</code> <i>({percentual}%)</i>\n<b>🚗 Transportation:</b> <code>R$ {valor}</code> <i>({percentual}%)</i>\n<b>🏠 Housing:</b> <code>R$ {valor}</code> <i>({percentual}%)</i>\n<b>🎮 Leisure:</b> <code>R$ {valor}</code> <i>({percentual}%)</i>\n<b>💸 TOTAL:</b> <code>R$ {total}</code>\n\n<b>📈 Insights:</b>\n<b>🔝 Highest expense:</b> {categoria} <i>({percentual}%)</i>\n<b>📉 Lowest expense:</b> {categoria} <i>({percentual}%)</i>\n<b>💡 Recommendation:</b> <i>{dica_personalizada}</i>\n```\n\n### 📋 TEMPLATE: Transaction History\n\n```\n<b>📋 FINANCIAL HISTORY</b>\n\n<b>🔍 Applied Filters:</b>\n<b>📅 Period:</b> <code>{data_inicial}</code> to <code>{data_final}</code>\n<b>📊 Type:</b> <code>{tipo}</code>\n<b>📂 Category:</b> <code>{categoria}</code>\n\n<b>📊 Transactions Found:</b>\n\n<b>ID {id}:</b> <code>{data}</code> | {tipo_icone} | <i>{descricao}</i> | {categoria} | <code>R$ {valor}</code>\n\n<b>📊 Summary:</b>\n<b>📋 Total Records:</b> <code>{quantidade}</code>\n<b>💵 Total Expenses:</b> <code>R$ {total_despesas}</code>\n<b>💰 Total Income:</b> <code>R$ {total_receitas}</code>\n```\n\n### 📊 TEMPLATE: Monthly Report\n\n```\n<b>📊 MONTHLY REPORT - {mes}/{ano}</b>\n\n<b>💰 Executive Dashboard</b>\n\n<b>🎯 Key Indicators:</b>\n<b>💎 Month Balance:</b> <code>R$ {saldo}</code> <i>({variacao}%)</i>\n<b>📈 Income:</b> <code>R$ {receitas}</code>\n<b>📉 Expenses:</b> <code>R$ {despesas}</code>\n<b>💪 Savings Rate:</b> <code>{taxa}%</code>\n\n<b>📈 Period Income:</b>\n<b>💰 {fonte}:</b> <code>R$ {valor}</code> | <code>{data}</code>\n<b>TOTAL INCOME:</b> <code>R$ {total_receitas}</code>\n\n<b>📉 Top 5 Expense Categories:</b>\n<b>1. 🏠 Housing:</b> <code>R$ {valor}</code> <i>({percentual}%)</i>\n<b>2. 🍔 Food:</b> <code>R$ {valor}</code> <i>({percentual}%)</i>\n<b>3. 🚗 Transportation:</b> <code>R$ {valor}</code> <i>({percentual}%)</i>\n<b>4. 🎮 Leisure:</b> <code>R$ {valor}</code> <i>({percentual}%)</i>\n<b>5. 📚 Education:</b> <code>R$ {valor}</code> <i>({percentual}%)</i>\n\n<b>💡 Insights and Recommendations:</b>\n<b>⚠️ Alert:</b> <i>Spending on {categoria} increased by {percentual}%</i>\n<b>✅ Congratulations:</b> <i>You saved R$ {valor} this month</i>\n<b>🎯 Goal:</b> <i>Suggested R$ {valor} for next month</i>\n```\n\n### ⚠️ TEMPLATE: Error Messages\n\n```\n<b>⚠️ Oops! Something went wrong</b>\n\n<b>🚨 Problem Details:</b>\n<b>Reason:</b> <i>{explicacao}</i>\n\n<b>🔧 How to fix:</b>\n<i>{solucao}</i>\n\n<b>💡 Correct Example:</b>\n<code>{exemplo}</code>\n\n<i>💬 Need help? Type</i> <code>help</code> <i>to see all commands</i>\n```\n\n### 🔄 TEMPLATE: Confirmations\n\n```\n<b>🔄 Confirmation Required</b>\n\n<b>⚠️ You are about to {acao} this record:</b>\n\n<b>🆔 ID:</b> <code>{id}</code>\n<b>📊 Type:</b> <code>{tipo}</code>\n<b>💵 Value:</b> <code>R$ {valor}</code>\n```\n\n\n<b>📝 Description:</b> <i>{descricao}</i> <b>📅 Date:</b> <code>{data}</code>\n\n<b>🚨 This action cannot be undone!</b>\n\n<b>📱 To confirm:</b> Type <code>confirm</code> <b>❌ To cancel:</b> Type <code>cancel</code>\n\n```\n\n---\n\n## ⚡ MANDATORY WORKFLOW\n\n### 1. 📱 **Receive Message**\n- Analyze user intent\n- Identify request type\n\n### 2. 🔍 **If Query**\n```\n\nget\\_all\\_registers → process data → respond in HTML\n\n```\n\n### 3. ➕ **If Record**\n```\n\nget\\_all\\_registers → calculate ID → create\\_new\\_register → confirm in HTML\n\n```\n\n### 4. ✏️ **If Edit**\n```\n\nget\\_all\\_registers → show current → update\\_register → confirm in HTML\n\n```\n\n### 5. 🗑️ **If Delete**\n```\n\nget\\_all\\_registers → confirm → delete\\_register → notify in HTML\n\n```\n\n---\n\n## 🔧 AVAILABLE TOOLS\n\n- **`get_all_registers`**: Query records (always use first)\n- **`create_new_register`**: Add record (after get_all_registers)\n- **`update_register`**: Edit record (with valid ID)\n- **`delete_register`**: Delete record (with prior confirmation)\n- **`Calculator`**: Complex calculations (if needed)\n\n---\n\n## 📝 ABSOLUTE HTML RULES\n\n### ✅ ALWAYS Use:\n1. **`<b>text</b>`** for bold and important highlights\n2. **`<i>text</i>`** for italics and secondary notes\n3. **`<code>text</code>`** for IDs, monetary values, dates, and commands\n4. **`<u>text</u>`** for important underlines (when needed)\n5. **`<s>text</s>`** for strikethrough (when appropriate)\n6. **Single line breaks** to separate sections\n7. **Limited emojis** (max 3 per response)\n\n### 🚨 NEVER Use:\n- Any syntax other than HTML\n- Special formatting symbols\n- Any visual formatting not supported by HTML\n- Unsupported HTML tags for Telegram\n- Excessive emojis (more than 3 per message)\n\n---\n\n## 💡 AVAILABLE COMMANDS (HTML)\n\n```\n\n<b>💡 Quick Commands:</b> <code>balance</code> - <i>View full financial summary</i> <code>expenses today</code> - <i>Current day expenses</i> <code>income month</code> - <i>Current month income</i> <code>report</code> - <i>Full financial analysis</i> <code>edit ID X</code> - <i>Modify a specific record</i> <code>delete ID X</code> - <i>Remove a specific record</i>\n\n<i>💬 Type</i> <code>help</code> <i>to see all available commands</i>\n\n```\n\n---\n\n## 📌 CRITICAL SETTINGS\n\n- **📅 Current date/time:** `{{ $now.format('yyyy-MM-dd HH:mm:ss') }}`\n- **📏 Response limit:** 4096 characters (Telegram limit)\n- **🎨 Formatting:** HTML mandatory (`parse_mode: 'HTML'`)\n- **🔒 Security:** Sensitive data - maximum accuracy\n- **😊 Tone:** Friendly and professional\n- **📱 Platform:** Telegram Bot API\n\n---\n\n## 🎯 FINAL CRITICAL REMINDERS\n\n> **🚨 ABSOLUTE RULES - NEVER VIOLATE:**\n> 1. **ALWAYS** write ALL responses in Telegram-valid HTML\n> 2. **ALWAYS** use `get_all_registers` before any financial operation\n> 3. **ALWAYS** confirm actions with HTML templates\n> 4. **ALWAYS** set `parse_mode: 'HTML'` in all messages\n> 5. **ALWAYS** be accurate with financial data\n> 6. **NEVER** use any formatting other than pure HTML\n> 7. **NEVER** mix HTML with other formatting syntaxes\n> 8. Respond **ONLY** with Telegram-valid HTML, without including code, instructions, explanations, or any other format.\n\n**🎯 Main Objective:** Provide precise financial responses using only Telegram-valid HTML!\n\n**📋 Required Parse Mode:** `parse_mode: 'HTML'` in all messages sent by the bot!"
        },
        "promptType": "define"
      },
      "typeVersion": 2
    },
    {
      "id": "9e370cfe-b8a9-4dce-b973-7d39f76af10d",
      "name": "发送备用消息",
      "type": "n8n-nodes-base.telegram",
      "position": [
        -368,
        336
      ],
      "webhookId": "54a95e4f-38b0-4992-a5c1-81791dba21ab",
      "parameters": {
        "text": "=⚠️ Desculpe! Não consigo processar imagens ou vídeos. Por favor, envie sua mensagem em texto ou voz.",
        "chatId": "={{ $('Telegram Bot Trigger').item.json.message.from.id }}",
        "additionalFields": {
          "parse_mode": "HTML",
          "appendAttribution": false
        }
      },
      "credentials": {
        "telegramApi": {
          "id": "1hoyHNMYXmyjV8we",
          "name": "Telegram Financeiro VIKTHYR"
        }
      },
      "typeVersion": 1.2
    },
    {
      "id": "3a8f67df-e872-4ba7-b8d6-f49f2daf32bf",
      "name": "发送响应",
      "type": "n8n-nodes-base.telegram",
      "position": [
        736,
        112
      ],
      "webhookId": "54a95e4f-38b0-4992-a5c1-81791dba21ab",
      "parameters": {
        "text": "={{ $json.output }}",
        "chatId": "={{ $('Telegram Bot Trigger').item.json.message.from.id }}",
        "additionalFields": {
          "parse_mode": "HTML",
          "appendAttribution": false
        }
      },
      "credentials": {
        "telegramApi": {
          "id": "1hoyHNMYXmyjV8we",
          "name": "Telegram Financeiro VIKTHYR"
        }
      },
      "typeVersion": 1.2
    },
    {
      "id": "509419ab-c4c1-4dc6-9306-2228181482ea",
      "name": "便签",
      "type": "n8n-nodes-base.stickyNote",
      "position": [
        -736,
        -256
      ],
      "parameters": {
        "color": 7,
        "width": 320,
        "height": 576,
        "content": "## 设置 Telegram 机器人触发器"
      },
      "typeVersion": 1
    },
    {
      "id": "e0b72d6a-cffa-43e7-9380-858142efbdb1",
      "name": "Telegram 机器人触发器",
      "type": "n8n-nodes-base.telegramTrigger",
      "position": [
        -624,
        144
      ],
      "webhookId": "3fb3235c-eaa7-421e-a3d2-90cc42e88f1e",
      "parameters": {
        "updates": [
          "message"
        ],
        "additionalFields": {}
      },
      "credentials": {
        "telegramApi": {
          "id": "1hoyHNMYXmyjV8we",
          "name": "Telegram Financeiro VIKTHYR"
        }
      },
      "typeVersion": 1.2
    },
    {
      "id": "2887b382-f4a1-48be-88e3-b61a95de5f1f",
      "name": "便签1",
      "type": "n8n-nodes-base.stickyNote",
      "position": [
        -736,
        -464
      ],
      "parameters": {
        "width": 608,
        "height": 192,
        "content": "## 此工作流如何运作"
      },
      "typeVersion": 1
    },
    {
      "id": "7ea244ca-f65e-4385-98a4-ddfa29e1d37a",
      "name": "便签2",
      "type": "n8n-nodes-base.stickyNote",
      "position": [
        1168,
        464
      ],
      "parameters": {
        "color": 7,
        "width": 560,
        "height": 256,
        "content": "## Google Sheets 配置"
      },
      "typeVersion": 1
    },
    {
      "id": "423fb5ea-41da-46f4-a413-d264df42c7ab",
      "name": "便签3",
      "type": "n8n-nodes-base.stickyNote",
      "position": [
        16,
        0
      ],
      "parameters": {
        "color": 7,
        "width": 224,
        "height": 352,
        "content": "## Gemini 转转录"
      },
      "typeVersion": 1
    },
    {
      "id": "9cbca914-b186-4d75-bc6a-05a8b3aa17b4",
      "name": "便签4",
      "type": "n8n-nodes-base.stickyNote",
      "position": [
        16,
        448
      ],
      "parameters": {
        "color": 7,
        "width": 224,
        "height": 288,
        "content": "## Gemini LLM"
      },
      "typeVersion": 1
    },
    {
      "id": "6106d8e5-e606-4f69-a22c-b3026ee51211",
      "name": "便签5",
      "type": "n8n-nodes-base.stickyNote",
      "position": [
        528,
        560
      ],
      "parameters": {
        "color": 7,
        "width": 640,
        "content": ""
      },
      "typeVersion": 1
    },
    {
      "id": "64706a93-b397-456a-a2b1-f9045e507f7b",
      "name": "便签6",
      "type": "n8n-nodes-base.stickyNote",
      "position": [
        -400,
        -256
      ],
      "parameters": {
        "width": 192,
        "height": 80,
        "content": "## 📌 关注我："
      },
      "typeVersion": 1
    }
  ],
  "active": false,
  "pinData": {},
  "settings": {
    "executionOrder": "v1"
  },
  "versionId": "2f09ea75-18db-4ad8-b007-9bb1f8531a97",
  "connections": {
    "Switch": {
      "main": [
        [
          {
            "node": "Financial Agent",
            "type": "main",
            "index": 0
          }
        ],
        [
          {
            "node": "Get a file",
            "type": "main",
            "index": 0
          }
        ],
        [
          {
            "node": "Send Fallback Message",
            "type": "main",
            "index": 0
          }
        ]
      ]
    },
    "Calculator": {
      "ai_tool": [
        [
          {
            "node": "Financial Agent",
            "type": "ai_tool",
            "index": 0
          }
        ]
      ]
    },
    "Get a file": {
      "main": [
        [
          {
            "node": "Transcribe a recording",
            "type": "main",
            "index": 0
          }
        ]
      ]
    },
    "Simple Memory": {
      "ai_memory": [
        [
          {
            "node": "Financial Agent",
            "type": "ai_memory",
            "index": 0
          }
        ]
      ]
    },
    "Financial Agent": {
      "main": [
        [
          {
            "node": "Send Response",
            "type": "main",
            "index": 0
          }
        ]
      ]
    },
    "delete_register": {
      "ai_tool": [
        [
          {
            "node": "Financial Agent",
            "type": "ai_tool",
            "index": 0
          }
        ]
      ]
    },
    "update_register": {
      "ai_tool": [
        [
          {
            "node": "Financial Agent",
            "type": "ai_tool",
            "index": 0
          }
        ]
      ]
    },
    "get_all_registers": {
      "ai_tool": [
        [
          {
            "node": "Financial Agent",
            "type": "ai_tool",
            "index": 0
          }
        ]
      ]
    },
    "create_new_register": {
      "ai_tool": [
        [
          {
            "node": "Financial Agent",
            "type": "ai_tool",
            "index": 0
          }
        ]
      ]
    },
    "Telegram Bot Trigger": {
      "main": [
        [
          {
            "node": "Switch",
            "type": "main",
            "index": 0
          }
        ]
      ]
    },
    "Transcribe a recording": {
      "main": [
        [
          {
            "node": "Financial Agent",
            "type": "main",
            "index": 0
          }
        ]
      ]
    },
    "Google Gemini Chat Model": {
      "ai_languageModel": [
        [
          {
            "node": "Financial Agent",
            "type": "ai_languageModel",
            "index": 0
          }
        ]
      ]
    }
  }
}