Budgeting Tool
Category-based budgets with spent vs. remaining progress. Stay on track without the headache of spreadsheets.
Key features
Category-based budgets
Set budgets for Needs, Wants, Savings, and custom categories. Aligned with the 50/30/20 rule.
Real-time progress
See spent vs. remaining at a glance. Visual progress bars keep you on track throughout the month.
Smart rollovers
Unspent amounts can roll over to next month. Build savings momentum without extra effort.
No spreadsheets
Simple, focused UI. No formulas, no confusion. Just set your budget and track it.
Sync across devices
Your budget follows you. Update on mobile, check on web — stay consistent.
Personalized guidance
Get tailored tips based on your spending patterns and goals.
How it works
Create a budget for each spending category — food, transport, utilities, savings, and more. As you log transactions, CediWise shows you how much you've spent versus your limit. Simple progress bars and alerts help you stay within your plan.
The 50/30/20 approach
We guide you toward a balanced allocation: 50% Needs, 30% Wants, 20% Savings. You can customize these ratios to fit your situation. The goal is clarity, not rigidity.
Why it matters
Most Ghanaians don't know where their money goes. A budget creates awareness. Once you see the numbers, you can make intentional choices — cut back here, save more there. Small shifts compound over time.