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.
Everything you need
One app for salary, budgets, business, and learning. Designed for the modern Ghanaian experience.
Salary & Tax
Calculate Social Security (SSNIT) and Income Tax or Pay As You Earn (PAYE) for Ghana 2026. Know exactly what stays in your pocket after all deductions.
Smart Budgeting
Category-based budgets with spent vs. remaining progress. Stay on track without the headache of spreadsheets.
Small & Medium Enterprise (SME) Ledger
Sales and expenses with automatic 20% VAT calculations. Get alerted as you approach the GHS 750K VAT threshold.
Financial Literacy
Level up your money game with curated tips and insights. Built to help every Ghanaian worker build wealth.
Spending Insights
Visualize your spending with charts, trends, and category breakdowns so you always know where your money is going.
Debt Dashboard
Track your loans and debts in one place. See total debt, monthly payments, payoff timelines, and debt-to-income ratio.
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.