How to Use SmartExpenses

1
2
3
4
5
6

Brief Guide: How SmartExpenses Bot Tracks Your Transactions

The SmartExpenses bot is designed to automatically detect and record your financial transactions based on messages you send via Telegram or WhatsApp. The system uses specific keywords to determine the type of transaction, whether it is income (positive) or expense (negative), and categorizes it into the appropriate account and category type.

1. Detecting Positive Amounts (+)

If the message contains words like receive, deposit, refund, cashback, claim, sell, withdraw, given, sponsor, gift received, transfer in, salary, bonus, loan received, repayment, payment received, income, the bot will consider it as income (positive value).

Example 1

Sell goldbar RM5000

Example 2

Received monthly salary RM3200

Example 3

Refund from Shopee RM45.50

2. Detecting Negative Amounts (-)

If the message contains words like buy, pay, spend, shopping, eat, subscribe, reload, topup, pay loan, lend, transfer out, give, donate, charity, claim others, parking, toll, fare, the bot will consider it as an expense (negative value).

Example 1

Buy goldbar at Habibi Gold RM35800

Example 2

Paid PTPTN debt RM120.40

Example 3

Donate to mosque through TnG RM50

3. Transaction Categories

The bot categorizes transactions into several main groups such as:

  • Income: Salary, Bonus, Freelance, Side income, Refund / Claim, Asset Liquidation, Others
  • Expenses: Food & Beverage, Grocery, Rent, Utilities, Petrol / Fuel, Transport, Insurance, Entertainment, Shopping, Medical, etc.
  • Savings & Investment: Emergency Fund, Monthly Savings, Vacation Fund, Education Fund, Deposit, Gold Investment, ASB, Tabung Haji.
  • Debt / Loan: Credit Card, SPayLater, TikTokPayLater, PTPTN, Personal Loan, Car Loan, Family / Friend Loan, Motorcycle Loan.

4. Bank Accounts & Digital Wallets

CIMB, Maybank, RHB, Bank Islam, Tabung Haji, ASB, Bank Rakyat, BSN, Hong Leong Bank, Public Bank, Ambank, UOB, OCBC, HSBC, Affin Bank, Alliance Bank, Standard Chartered, Agrobank, MBSB Bank, TouchNGo, MAE, BigPay, ShopeePay, TikTok, Boost, GrabPay, Cash.

Commands

/start

Start the bot

/summary

Transaction summary

/reset

Reset data

/month.

Set specific month for emailed report. Example: type /month.12 to set the report for December

/year.

Set specific year for emailed report. Example: type /year.2029 to set the report for 2029

/add_user.

Add user. Example: type /add_user.Aminah.12353536 or /add_user.Aminah.+60123456789

/check_user

List only active and authorized users

/remove_user.

Remove user. Example: to remove user no. 3, type /remove_user.3

/guide

View user guide

/renumber

Renumber data

/x.delete

Delete 1 record. Example: /1.delete

/(x,y,z).delete

Delete multiple records. Example: to delete records no. 11, 17, and 23, type /(11,17,23).delete

/(p,v,w-z).delete

Delete multiple records. Example: to delete entry no. 29, no.35, no. 41 until no. 45 type /(29,35,41-45).delete

/x

View entry details. Example: to view entry no. 29, type /29

/this_month

This month summary

/overall

Overall summary

/email_pdf

Send report to email

/transfer

Transfer data