Take absolute control of your cash, linked banks, and Mobile Money (MTN MoMo, Telecel, AT Money) wallets in a single, high-fidelity personal ledger built for Ghana.
A suite of premium personal finance features engineered to track every coin accurately and securely.
Auto-detect MTN MoMo, Telecel Cash, AT Money & bank alerts via Android background sync or iOS Shortcuts webhooks, parsed by Gemini 2.5 Flash.
Speak naturally hands-free ("Log 50 cedis for fuel on MoMo" or "What is my balance?") with real-time neural voice responses and Auto-Pilot mode.
Switch effortlessly between Standard Ghanaian English, warm Ghanaian Pidgin ("Charley, no wahala!"), and authentic Twi / Akan financial guidance.
See your exact daily spending allowance on the Dashboard, generate 50/30/20 budgets with AI, and customize threshold alerts from 50% to 100%.
Snap photos of paper receipts for 1-tap ledger logging, and export bank-grade branded PDF monthly statements or CSV audits anytime.
Switch between Personal and Business profiles with Face ID, log 100% offline with auto-sync, and verify Tier 1 identity with your Ghana Card.
Get started in minutes. No bank credentials needed, no hidden complexity.
Install the app via APK or TestFlight, then sign up with your phone number and a secure 4-digit PIN. Takes under 30 seconds.
Add your MTN MoMo, Telecel Cash, bank accounts, or cash wallets. Enable SMS parsing to auto-detect incoming Mobile Money alerts.
Monitor spending, set budgets, view analytics, and watch your net worth grow — all from a single, beautiful dashboard.
Bystanders nearby? Tap the "Hide" button on the card simulator to see how CediSmart's privacy mode instantly masks your financial balance, income metrics, and transaction ledgers.
*This simulator reflects the exact interactive behavior built into the dashboard net worth hero component!
A premium, dark-themed experience designed to make every financial interaction feel effortless and secure.
Your net worth, income & expenses at a glance
Auto-detects MTN MoMo & Telecel alerts
Set limits and receive spending alerts
Real feedback from real Ghanaians who trust CediSmart to manage their finances.
"I used to lose track of my MoMo spending every month. CediSmart's SMS parser automatically picks up every transaction — now I know exactly where my money goes."
"The privacy masking feature is genius. I can check my balance in public without anyone seeing my finances. Plus the budget alerts saved me from overspending twice already!"
"As a small shop owner, I track both my personal and business money in one app. The multi-account feature lets me keep them completely separate. Highly recommended!"
Choose the level of financial freedom that fits your personal wealth or business ledgers in Ghana.
Get instant access to sovereign financial tracking on your mobile device today.
Download the raw build package directly to your Android device to bypass app store queues.
Install securely on your iPhone using Apple's official testing application.
Have questions about installing, syncing, or security? We have answers.
When you paste a transaction SMS or trigger the parser, CediSmart securely analyzes the text using Google's Gemini 2.5 Flash model on our backend. It extracts the transaction amount, transaction type (income/expense), and counterparty description on-the-fly to autofill your form, without ever storing your message content.
Yes. CediSmart stores your session authentication keys and login PINs locally inside your device's native secure environment (Keystore for Android, Keychain for iOS). All traffic between the App and the API is encrypted via HTTPS, and our databases are completely isolated from public access.
Yes. If you log transactions while offline, CediSmart places them in an internal queue. Once the App detects a stable internet connection, it prompts you to synchronize the pending logs to your secure cloud database with a single tap.
Yes, installing our `.apk` file is safe. It is compiled directly from the official source code of CediSmart without modified scripts. Google Android flags any direct file downloads as "unknown sources" for general protection, but you can securely proceed with the installation.
Absolutely! Our CediBusiness plan is designed for small merchants. It includes Merchant Line Sync for MTN/Telecel agent alerts, WhatsApp invoice generation, multi-user access for shop attendants, and Excel exports structured for GRA tax filing.
CediSmart supports all major Ghanaian mobile money providers including MTN MoMo, Telecel Cash (formerly Vodafone Cash), and AT Money (AirtelTigo Money). Our SMS parser recognizes the format of alerts from each provider automatically.
Yes, you can cancel your Pro or Business subscription at any time from the Settings screen. Your premium features will remain active until the end of your current billing period, and your transaction data is never deleted.
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