CediWise

Joshua Ansah

About this app

CediWise is a modern money app built for Ghanaian workers and small business owners. It helps you understand your salary, plan your budget, track SME expenses and debts, and build real financial literacy in one place.

Salary & Tax (PAYE and SSNIT)
Calculate your Ghana PAYE and SSNIT deductions based on current 2026 tax rules. See your gross pay, deductions and true take-home salary so you can plan with confidence.

Smart Budgeting
Create category-based budgets for bills, food, transport, savings and more. Track how much you have spent and what remains so you avoid overspending and stay on top of your money goals.

SME Ledger & VAT Tracking
Record sales and expenses for your small or medium business. See profit trends and get automatic tracking towards the GHS 750,000 VAT registration threshold so you always know where your business stands.

Spending Insights
View charts and summaries of where your money goes each month. Spot patterns, cut wasteful spending and re-align your budget to what really matters.

Debt Dashboard
Track all your debts and loans in one simple view. See your outstanding balances, monthly payments and payoff progress so you can plan repayment and reduce stress.

Financial Literacy for Ghana
Access short, practical lessons on budgeting, saving, investing basics and avoiding common money mistakes. Content is tailored to Ghana, including mobile money and local financial products, and is designed to be easy to understand and apply.

CediWise is an independent educational and personal finance management tool. It does not issue loans, hold customer funds or act as a bank, lender or investment platform, and is not affiliated with GRA, SSNIT or any government agency.

What’s new

• Cash flow: track runout vs income, setup & salary reset, new Budget screen & widget.
• Delete my account in Profile—two-step confirmation; permanently removes your CediWise data.