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Dhyan Pay
Budget your UPI spending — without linking your bank
Scan any UPI QR, pick a spending wallet, and see the warning if you're over budget - then pay in your own UPI app with your own PIN. No bank linking, no SMS reading, no analytics companies. A notebook for your spending, made in India.
I built Dhyan Pay because I kept opening GPay by reflex. UPI made paying so frictionless that my budget only existed at the end of the month, as a post-mortem. Every budgeting app wanted to fix this by reading my SMS or linking my bank more access, more automation, less thinking. I wanted the opposite: one deliberate second put back in front of the payment.
So it works like this: scan the shop's QR in Dhyan Pay, pick which wallet this comes from Food, Transport, whatever you've set up and see where the month stands before you pay. If you're over the limit you set yourself, it says so. Then it hands the payment to your own UPI app with the amount filled in; you pay with your own PIN like always, come back, and confirm. The app keeps score. That's all it does.
The part I care most about: it cannot see your money. Not "we promise not to look", but it has nothing to look at. No bank connection, no balance, no SMS permission, no PIN, ever. Payee UPI IDs are stored only as fingerprints, never readable. There's no analytics company in the app or on the site. The only data is what you chose to type; it exports to CSV any time, and "delete" means deleted instantly, nothing retained.
Honest limits, so nobody's surprised: it's not a payment app. Your UPI app moves the money; Dhyan Pay is the notebook in front of it. On Android the scan-to-handoff flow is smooth (GPay, Paytm, and CRED tested on real phones); on iOS you record payments more manually. It's a PWA - nothing to install from a store; add it to your home screen, and it behaves like an app.
It's free, there are no ads, and it's run by one person (me) in my own time. The help desk inside the app comes straight to my screen.
What I want from you: if you try it and stop using it, tell me what stopped you. That is worth more to me than an upvote. And if the pause actually changed what you spent, I'd love to hear that too.
About Dhyan Pay on Product Hunt
“Budget your UPI spending — without linking your bank”
Dhyan Pay was submitted on Product Hunt and earned 4 upvotes and 6 comments, placing #80 on the daily leaderboard. Scan any UPI QR, pick a spending wallet, and see the warning if you're over budget - then pay in your own UPI app with your own PIN. No bank linking, no SMS reading, no analytics companies. A notebook for your spending, made in India.
On the analytics side, Dhyan Pay competes within Fintech, Privacy and Personal Finance — topics that collectively have 61.7k followers on Product Hunt. The dashboard above tracks how Dhyan Pay performed against the three products that launched closest to it on the same day.
Who hunted Dhyan Pay?
Dhyan Pay was hunted by Hariprasad K. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of Dhyan Pay including community comment highlights and product details, visit the product overview.
Hariprasad K
Namaste, Product Hunt.
I built Dhyan Pay because I kept opening GPay by reflex. UPI made paying so frictionless that my budget only existed at the end of the month, as a post-mortem. Every budgeting app wanted to fix this by reading my SMS or linking my bank more access, more automation, less thinking. I wanted the opposite: one deliberate second put back in front of the payment.
So it works like this: scan the shop's QR in Dhyan Pay, pick which wallet this comes from Food, Transport, whatever you've set up and see where the month stands before you pay. If you're over the limit you set yourself, it says so. Then it hands the payment to your own UPI app with the amount filled in; you pay with your own PIN like always, come back, and confirm. The app keeps score. That's all it does.
The part I care most about: it cannot see your money. Not "we promise not to look", but it has nothing to look at. No bank connection, no balance, no SMS permission, no PIN, ever. Payee UPI IDs are stored only as fingerprints, never readable. There's no analytics company in the app or on the site. The only data is what you chose to type; it exports to CSV any time, and "delete" means deleted instantly, nothing retained.
Honest limits, so nobody's surprised: it's not a payment app. Your UPI app moves the money; Dhyan Pay is the notebook in front of it. On Android the scan-to-handoff flow is smooth (GPay, Paytm, and CRED tested on real phones); on iOS you record payments more manually. It's a PWA - nothing to install from a store; add it to your home screen, and it behaves like an app.
It's free, there are no ads, and it's run by one person (me) in my own time. The help desk inside the app comes straight to my screen.
What I want from you: if you try it and stop using it, tell me what stopped you. That is worth more to me than an upvote. And if the pause actually changed what you spent, I'd love to hear that too.