Debt Dashboard
Track loans, credit, and other debts with clarity. See totals, monthly payments, payoff dates, and debt-to-income ratio in one dashboard.
Key features
Total debt overview
See all your active debts in one place, with a single total so you always know what you owe.
Monthly payment load
Understand how much of your income is going into debt each month, across all loans and cards.
Payoff timeline
Get a projected payoff date for each debt based on your current payment plan, so you can plan ahead.
Debt-to-income ratio
Track your debt-to-income ratio and get warned when it goes above healthy levels.
Per-debt progress
Each debt shows how much you have paid off, how much is left, and how your payments are moving you forward.
Integrated with your budget
Debt payments flow into your CediWise budget categories, so your plan reflects your real obligations.
How it works
Add each of your debts — personal loans, salary advances, credit accounts, or any other borrowing. For each one, you define the total amount, remaining balance, and monthly payment. The dashboard then calculates how much you owe in total and how much you are paying every month.
As you record payments, CediWise updates the remaining balance and progress for each debt. You can quickly see which debts are almost done and which ones are barely moving.
See the real impact on your income
The Debt Dashboard calculates your debt-to-income ratio — how much of your monthly income is tied up in debt payments. When that ratio goes too high, it becomes harder to save, invest, or handle emergencies. CediWise highlights when you are above healthy thresholds so you can take action.
Connected to your budget
Debt payments are automatically treated as part of your budget, so your monthly plan reflects your real obligations. When you pay down debt, the app records it as spending in the right category, keeping your budget and debt picture in sync.
Why it matters
Many Ghanaians manage debt informally — in notebooks, scattered messages, or just in their heads. That makes it easy to lose track and hard to see the total picture. The Debt Dashboard gives you a clear, honest view so you can decide what to pay off first, how much you can safely borrow, and when it's time to slow down and rebuild.
Works best with
- Budgeting Tool to plan how much you can safely allocate to debt each month.
- Spending Insights to see how debt payments sit beside your other expenses.