The CedisPay Financial Wellbeing Budget App is a comprehensive financial management tool designed to help users achieve long-term financial wellness. It integrates various features including a personalized dashboard, budgeting tools, financial goal tracking, and a unique Financial Wellbeing Calculator to assess and improve your financial health.

The app includes:
1. Financial Wellbeing Dashboard: Snapshot of income, expenses, savings rate, debt-to-income ratio, and goal progress
2. Budget Management: Tools to create, track, and manage budgets, with export options to Excel.
3. Financial Wellbeing Goals: Set, track, and achieve financial goals like retirement savings and debt repayment
4. Financial Wellbeing Roadmap: Two models for guiding users towards financial success
5. Key Alerts and Notifications: Reminders for bill and loan due dates
6. Financial Wellbeing Calculator: Personalized recommendations based on financial metrics
7. Insights and Learning: Links to financial wellness resources and training materials
8. Ask CedisPay Financial Coach: Get expert advice tailored to your needs

1. Enter your full name, email address, phone number, and create a secure password
2. Complete two-factor authentication via a code sent to your email or mobile number.
3. Review and consent to the privacy policy

1. Set Budget Objectives: Define your goals, financial priorities, and time frame
2. Complete a Budget Assessment Quiz: Evaluate your budgeting skills.
3. Create Your Account: After completing the registration, your user account will be created

1. Create a Budget: Enter details such as the month and budget name
2. Add Income and Expenses: Enter your income and allocate expenses into categories
3. Balance Your Budget: Ensure total income matches total expenses
4. Export to Excel: Download your budget for further analysis

The Financial Wellbeing Calculator assesses your financial health based on factors like income, expenses, debt, and savings. It generates a comprehensive score and provides personalized recommendations for improvement.

1. Enter your financial details, including average monthly income, expenses, debt payments, and savings.
2. Select your financial goals from the provided options
3. The calculator will generate scores in various categories and provide recommendations based on your overall Financial Wellbeing Score

1. Income Stability Score (ISS): Measures how stable your income is
2. Expense Management Score (EMS): Assesses your management of expenses
3. Debt-to-Income Ratio Score (DIRS): Reflects your debt relative to income
4. Savings Rate Score (SRS): Indicates how much of your income is saved.
5. Progress toward Financial Goals Score (PFGS): Shows progress towards achieving your goals
6. Financial Wellbeing Score (FWS): Overall measure of your financial health

Use the Financial Wellbeing Goals feature to set, track, and achieve essential goals such as retirement savings and debt repayment. Monitor your progress on the Financial Wellbeing Roadmap

The app provides reminders for important tasks such as upcoming bill and loan due dates to help you stay on top of your finances

Yes, you can export your completed budget to Excel for further analysis or record-keeping

Select the budget you want to update, enter your actual spending against the planned amounts, and save your updates

The app offers links to CedisPay’s Financial Wellness Blueprint and training materials to enhance your budgeting skills

For technical support, please contact our customer service team through the app's support section or visit our website for additional assistance

The app is initially free, with premium features and one-on-one financial coaching available for a fee in the future. Automated bank and mobile money statement uploads will depend on future open banking regulations