Never Run Out of Money Before Month End
See the exact date your money runs out if current spending continues. Your safe-to-spend figure, updated daily — so you always know where you stand.
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 people don't run out of money because they spend too much on one big thing — they run out because small daily spending adds up invisibly. Knowing the exact date your money runs out, days in advance, changes the decision you make today. Not after the fact.
Works best with
- Spending Insights dashboard to see trends and category breakdowns for your budget.
- Debt Dashboard to understand how loans and debt payments affect your monthly plan.