What can I ask the Telegram bot?

The CiviQ Telegram bot isn't just for logging expenses. Ask it questions in plain English and get answers right in the chat — no need to open the app.

Account balance

• "how much do I have" — total across all accounts
• "how much do I have in HDFC" — HDFC balance only
• "what's my PhonePe balance" — PhonePe wallet balance
• "HDFC balance" — same as above, shorter

If you name an account the bot doesn't recognise, it lists all your accounts and asks which one you meant.

Spending

• "how much did I spend today" — today's total + the top items
• "how much did I spend yesterday" — yesterday's total
• "how much did I spend this week" — last 7 days + top categories
• "how much did I spend this month" — month total with budget context
• "how much did I spend on food" — category total vs budget
• "how much did I spend on transport" — same, for transport

Budgets

• "how's my budget" — every category with a 🟢🟡🔴 status
• "food budget" — Food category specifically (spent vs limit)
• "am I on track" — overall budget health

Income and savings

• "how much did I earn this month" — income logged this month
• "how much have I saved this month" — income minus spending + savings rate
• "what's my savings rate" — same with sentiment colour

Loans

• "how much is my loan" — outstanding across active loans
• "when's my next EMI" — next due date and amount

Subscriptions and goals

• "what subscriptions do I have" — full list with monthly total
• "how's my camera fund" — goal progress (% complete + amount remaining)
• "how's my MacBook goal" — same, by goal name

Commands

• /help — list everything the bot can do
• /morning — see your current morning-message setting
• /morning 7 — set the morning message for 7am IST
• /morning off — turn the morning message off
• /balance and /b — quick balance
• /budgets and /budget — quick budget status