Smart money
for Ghana
CediWise is your personal finance companion for Ghana. Salary calculator, budgeting, small and medium enterprise (SME) ledger, debt tracking, and financial literacy — all in one platform built for the modern Ghanaian worker.
Stop losing money you don't know you're losing.
CediWise finds the gaps — from incorrect PAYE deductions to invisible MoMo fees — and puts the money back where it belongs.
Salary & Tax
Is your employer calculating your PAYE and SSNIT correctly? Verify your deductions against GRA rates in seconds — and see if you're owed money back.
Smart Budgeting
Never run out of money before month end. See the exact date your money runs out and your safe-to-spend figure — updated daily.
Small & Medium Enterprise (SME) Ledger
One GRA audit costs more than 3 years of CediWise. Stay VAT-compliant, audit-ready, and ahead of your threshold — without hiring an accountant.
Financial Literacy
Know your rights before your next salary negotiation or GRA filing. 34 lessons built for the Ghanaian financial context.
Spending Insights
Visualize your spending with charts, trends, and category breakdowns so you always know where your money is going.
Debt Dashboard
How much is your debt actually costing you in total? See the real interest you'll pay over the loan term — and the exact savings from one extra payment.
Pricing that makes sense
Free salary calculator forever.
First 100 users get 60 days full access FREE.
Free
Salary & Tax Calculator only
Smart Budget
Budgeting, Debt, Recurring & Insights
SME Ledger
Full business tools & tax prep
Ready to master your
financial future?
Join thousands of Ghanaians using CediWise to track salaries, manage Small Business (SME) budgets, and grow their wealth with confidence.