Trackmonee

Trackmonee bills itself as "the best way to easily record your expenses, incomes, budget and keep an eye on your money" directly inside Telegram. Its own site is explicit that there is nothing to buy before using it — the free tier covers logging expenses, income, and creating custom categories, which is the core loop most people actually need from a budget tracker.

Unlike bots that require a specific free-text phrasing, Trackmonee is built around a defined set of categories and a straightforward entry flow, which trades a little flexibility for more predictable categorization — useful if you found a free-text bot's auto-categorization too inconsistent. It positions itself squarely as a personal tool rather than a shared/group one.

Because everything lives in the chat history, it doubles as a lightweight paper trail you can scroll back through, without needing to open a separate app or spreadsheet. For someone who wants simple, category-based tracking and does not need multi-user sharing, it is a reasonable free starting point.