UPI Expense Tracker — Stop Losing Track of GPay, PhonePe & Paytm Payments

The UPI Blindspot

India processes over 10 billion UPI transactions every month. Fast, convenient, and essentially invisible. Most people have no idea where their GPay/PhonePe money actually goes after they tap "Pay."

The app shows a list of recent transactions — but no categories, no monthly totals by type, no analysis. You're spending digitally but tracking nothing.

Why GPay/PhonePe's Built-in History Isn't Enough

• No expense categories (groceries vs transport vs eating out)
• No monthly summary by category
• No budget tracking against targets
• Multiple platforms — GPay for some, PhonePe for others
• No cash tracking (half of India still uses cash too)

The DhanRakh UPI Tracking System

Method 1: SMS auto-detection

DhanRakh reads your bank SMS notifications to automatically log UPI transactions. Approve once — and every GPay, PhonePe or Paytm payment appears automatically, categorised by type.

Method 2: Voice entry for missed ones

For UPI payments that don't trigger an SMS (or if SMS access isn't enabled), just say the amount: "PhonePe pe 350 gaye groceries ke liye."

Setting Up UPI Budget Alerts

In DhanRakh, set monthly budget limits by category:

• Food ordering: ₹3,000/month
• Transport: ₹2,000/month
• Grocery UPI: ₹5,000/month

When you're at 80% of your limit, DhanRakh sends a notification. This one feature typically reduces food ordering spend by 20-30% in the first month.

One View: Cash + UPI Together

India's real economy uses both. The vegetable vendor might accept only cash. The medical store takes UPI. Tracking them separately gives an incomplete picture. DhanRakh merges both into one financial view — so you always know your real spending, not just your digital spending.