Shared Family & Personal Budget in Telegram Right in Your Chat
Type “coffee 4.50” or send a receipt photo — the bot logs it and sorts it into categories. Your budget lives in the family group chat, so your partner doesn't have to install anything.
Why budgeting usually gets abandoned in week two
Traditional finance apps build friction instead of creating clarity
"We don't know where the money goes"
Spending is scattered across bank cards, cash, and different family members. Nobody pulls it together, and the big picture vanishes.
"Budgeting feels like exhausting chores"
Open a separate app, scroll through endless category dropdowns, enter digits, hit save... After a week, fatigue sets in and it's abandoned.
"Excel & notes are unmanageable on phones"
A spreadsheet lives on one person's desktop computer. The partner has zero visibility on the go until money arguments flare up.
Why spreadsheets get abandoned →Start Budgeting in 30 Seconds
No lengthy sign-ups, no SMS codes, no bank logins
Create a Group or Open DM
Create a Telegram group with your partner for shared family tracking, or message the bot in a private DM for personal finance.
Add @FamilyBudgetAI_bot
Add the bot and grant admin privileges so it can read expense messages and pin the command cheat sheet. It says hello and asks you to accept the terms with one tap.
Text, Speak, or Snap Receipts
"coffee $4.50", "salary $4,500", voice 💎, or receipt photos. The bot sorts everything into categories and answers questions like "How much did we spend?".
Complete control over your household finances
Everything you need, ready to use immediately without complex onboarding
👨👩👧 Shared Family Budget in Telegram
Your budget lives inside your family Telegram group. Everyone in the group sees in real time who spent what, and on which categories. No separate apps and no per-seat subscription charges.
- Add your partner or kids in 1 click
- Total spending transparency and aligned financial goals
- Maintain shared family and private budgets completely isolated
✍️ Text it like a friend — or say it
“coffee 4.50”, “salary 3200”, “groceries 50 EUR” — the bot works out the amount, currency and category. Hands full? Send a voice message 💎.
How to track expenses by texting →🧾 AI Receipt Photo Scanning, Line by Line
Snap a photo of any store or grocery receipt — AI parses every single line item, categorizes each product, and distributes discounts and taxes with penny accuracy. Unlimited receipt scans are free forever.
- Itemized breakdown: bread to 'Groceries', detergent to 'Home', shoes to 'Clothes'
- Duplicate photo protection: won't double-log if sent twice accidentally
- Understands English, Spanish, Russian, and handles real-world crumpled receipts
👥 Just ask: “who spent how much?”
Ask in plain words: “how much did we spend on groceries this month?”, “who spent how much on the trip?” — the bot replies with the figure and each person's share. Fix a category once and it remembers.
And more, when you need it
Simple, Transparent Plans
Try 14 days of full Premium free. No credit card required, no auto-billing — decide after testing.
Free Basic
Everything needed for shared household and personal expense tracking in Telegram forever.
- Unlimited AI receipt photo scanning with line item breakdown
- Natural text expense logging in any language
- Shared family budget inside any Telegram group chat
- Honest multi-currency ledger (USD, EUR, GBP, CAD, etc.)
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Web dashboard
/dashboard— charts & filters - Unlimited isolated budgets across multiple groups/chats
Full list
- "↩️ Undo" button under every entry — fix a mistake in 1 tap
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Individual debt pockets
/debtwith bank interest & payoff order (Snowball or by rate) -
Investment tracking
/invest& Net Worth calculation - Automated monthly summary sent to chat every month
- Recurring payment reminders with 1-tap logging (creating them is Premium)
Smart Budget Premium 💎
Maximum convenience: AI financial advisor, voice input, auto-recurring logs, and fast edits.
- Everything in Basic Free forever
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AI Financial Advisor
/analyze& custom monthly insights - Exact receipt purchase date backdating
- Unlimited voice message logging
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Automated recurring expenses
/recurring -
Budget limit alerts
/budgets(at 80% and overspend)
Full list
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Quick in-chat edits
/last(delete, amount, change or create a category) - Edit, delete (including in bulk), and backdate inside web dashboard
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CSV export from monthly reports
/report
🛡️ Fair Principle: We charge for AI work on top of your data, not for access to your data. The 14-day trial activates automatically on your first use — no credit card and no automatic subscription. Once the trial ends, all your data and free core features remain yours forever.
Your financial data — Fortress-Grade Protected
We treat your household's financial privacy with the highest priority. We never sell data to advertisers and never require access to your banking passwords.
Chat Isolation
Each chat's data is stored separately and never mixes with other chats.
Automated Backups
Daily and weekly encrypted snapshot backups.
Privacy /privacy
Transparent data rules, and you can delete your data at any time.
No Card Linking
We never request bank tokens, passwords, or credit card numbers.
Listed on AlternativeTo and SaaSHub.
Frequently Asked Questions
Everything you need to know about the bot before getting started
@FamilyBudgetAI_bot) is an AI finance bot inside Telegram. You write to it in plain words (“gas $45”) or send a photo of a receipt. It recognises every line item, sorts it into categories, keeps a separate balance per currency, and builds the analytics — in the chat and in the web dashboard. How it stacks up against the other budgeting bots is in our honest comparison.
/privacy in the bot and request a complete wipe of your chat data at any time. What any Telegram bot can and cannot see, explained without marketing: are Telegram bots safe?.
/cash_offset and log existing holdings with /invest, and it will be added to your total Net Worth calculation without skewing your monthly income and expense trends.
/debt Car 6685 6.99% adds a debt with its interest rate; the bot assigns payments (“paid 300 for the car”) and accrues interest between them. Together with /invest you get your net worth: accounts plus investments minus debts. All of this is free.
Take control of your money today
Add @FamilyBudgetAI_bot to your Telegram group or personal direct chat. 30-second setup and completely free to start.
Open Smart Budget in Telegram