# CediWise

> CediWise (iPhone/iPad app by Joshua Ansah.)

- Source: https://appshunter.io/ios/app/cediwise/id6761660784 (this page in markdown: same URL + `.md`)
- Developer: [Joshua Ansah](https://appshunter.io/developer/1890720602)
- Category: Finance, Utilities
- Price: Free
- Age rating: 17+
- Requires: iOS 15.1 · 72 MB
- Languages: English
- Released: 2026-04-07
- Data updated: 2026-07-08
- User reviews in markdown: https://appshunter.io/ios/app/cediwise/id6761660784/reviews.md

## What is CediWise?

CediWise is the modern money app built for Ghanaian workers, students and small business owners. It helps you understand your salary, plan realistic budgets, track SME expenses and debts, and build real financial literacy in one place.

Salary & Tax (PAYE and SSNIT)

Calculate your Ghana PAYE and SSNIT deductions based on 2026 tax rules. See your gross pay, all deductions and your true take-home salary so you can plan with confidence.

Use the built-in PAYE check to compare what your employer is deducting for PAYE and SSNIT against GRA-based figures and spot potential issues early.

Smart Budgeting

Create category-based budgets for bills, food, transport, savings, airtime, data and more. Watch simple progress bars show how much you’ve spent and what’s left so you avoid overspending and stay on top of your money goals.

SME Ledger & VAT Tracking 

Record sales and expenses for your small or medium business. See profit trends at a glance and track progress toward the GHS 750,000 VAT registration threshold so you always know where your business stands.

Spending Insights 

View charts and summaries of where your money goes each month. Spot patterns, cut wasteful spending and re-align your budget to what really matters to you and your family.

Debt Dashboard 

Track all your debts and loans in one simple view. See outstanding balances, monthly payments and payoff progress so you can plan repayment, reduce stress and avoid surprises.

Financial Literacy for Ghana 

Access short, practical lessons on budgeting, saving, MoMo, Treasury Bills, basic investing and avoiding common money mistakes. All content is tailored to Ghana, with real local examples and products, and is designed to be easy to understand and apply.

CediWise is an independent educational and personal finance management tool. It does not issue loans, hold customer funds or act as a bank, lender or investment platform, and is not affiliated with GRA, SSNIT or any government agency. Always verify tax information with official sources.


## Version history (last 5 releases)

### 0.3.2 — 2026-07-04

• Budget doesn't add up? We'll flag it and help you fix it.
• Sort spending into Needs, Wants, or Savings.
• Open all expenses in one tap.
• Apple sign-in: we save your name if you share it. You can skip.
• Hide My Email shows as private Apple email in Profile.

### 0.3.1 — 2026-06-12

• Onboarding videos: preview Smart Budget, SME Ledger, Tax & Salary, and Learn before you start.
• Vitals AI: smarter suggestions, fewer duplicates, and better matching to your priority expenses.
• Weekly expense reminders (Mondays at 8 PM) with varied messages replace daily nudges.

### 0.3.0 — 2026-05-14

• Budget AI: chat in plain English—ask what numbers mean, what to trim, or how to improve your plan; answers use your real budget data.
• Start from Budget overview or Spending insights so the assistant sees what you’re looking at.
• One conversation: follow up until it makes sense—no app-hopping.
• Debt-aware when you track loans, so tips aren’t blind to what you owe.

### 0.2.4 — 2026-04-13

• Repeating bills are easier to handle, with clearer messages if something goes wrong.
• When budget rules change, we help you keep your money plan aligned with what you want.
• Smoother setup and small fixes so everyday use feels steadier.
• Savings Vault: your saved total, how much you started with, and a simple history list.

### 0.2.3 — 2026-04-09

• Life stage, spending style, priority, pay frequency & dependents now save and load from your profile; profile_version included.
• Three steps—income & payday, your style, live budget preview—confirm your split before you finish.
• First cycle can spin up from saved preferences when you have none; prompt to refresh Needs/Wants/Savings if profile and cycle diverge (keep or apply).

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-08.*