See your pay before payday
Run your salary through GRA's 2026 PAYE and SSNIT tables. Check if HR got the deductions right. See what you can actually spend this month.
Free on the web · 200+ users · Side hustle? VAT tracking included
Total Income
GHS 8,540.00
Net salary plus side income from your Vitals setup - the number your budget actually starts from.
Monthly Savings
+GHS 2,450.00
Tracked in your Savings Vault. At this pace you're on track for a 3-month emergency fund.
Tax & Social Security (SSNIT)
-GHS 1,240.00
2026 GRA bands applied. Cross-check HR's figure against the same tables in our free salary calculator.
Small Business (SME) Expenses
GHS 3,120.00
Pulled from your Business ledger with VAT-ready totals as turnover nears the GHS 750K threshold.
Budget Goal
92.4% Met
Your Needs/Wants/Savings split from Vitals. 92.4% means you're still GHS 180 under your safe-to-spend limit.
Five things. One app.
Salary, budget, debt, business, lessons. Start with the free salary check if you want to try before downloading.
Understand your salary.
Check PAYE, SSNIT, and what actually lands in your account.
Budget with clarity.
See where your money goes and plan the month ahead.
Eliminate debt faster.
Track balances, repayments, and how far you have left to go.
Run your business smarter.
Keep expenses and cash flow in one place, not scattered notes.
Learn while you grow.
Short money lessons for everyday decisions. Ghana-specific.
Simple pricing
Salary calculator stays free. Budgeting and business tools live in the app.
Don't guess your take-home
About 200 people use CediWise to check PAYE, plan spending, and keep SME records straight. Salary check is free on the web. Budgeting and more live in the app.