A budgeting app that finally makes your money make sense.
Track every dollar, plan each month, and watch your goals fill up. Ceeduki is a calm, manual budgeting and planning app, with a companion built in to guide you. No bank login. Your numbers, your control.
Good morning. 4 days to month-end. You have $1,650 still free to direct, and you are $110 under on pocket money. Nothing urgent.
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Most money problems are not income problems. They are visibility problems. You cannot control what you cannot see, so Ceeduki makes seeing effortless.
It began as a simple spreadsheet that turned financial anxiety into control. Ceeduki is that same clarity, made into a tool anyone can use.
Allocate, spend, reconcile, grow.
A handful of moments that turn tracking into a habit, each one guided, each one teaching you something about your own money.
The moment you log your income, the month plans itself.
You set the rules once. When you enter your income or start a new month, Ceeduki uses them to pre-fill your fixed costs and recurring payments, so what is left is clearly free to direct. Zero-based budgeting, without the busywork.
- ✓Your rules, applied when you enter income or budget a month
- ✓No bank connection, nothing detected behind your back
- ✓The origin feature, born from a real request
Nothing carries forward without your decision.
Before the new month opens, Ceeduki nets your overspend against your underspend and asks one question: where does the real leftover go? Always toward a goal, an envelope, or your investments, never lost in next month.
- ✓A conscious ritual, not a silent rollover
- ✓Overspend and underspend offset to a true net
- ✓Push a goal past its target and it celebrates, loudly
See the subscription you forgot you had.
Every subscription is tagged by how often you actually use it. Toggle one off to see what you would save in a year, and what that money becomes if it were invested instead.
- ✓Usage tags: used often, sometimes, rarely
- ✓One tap shows the yearly cost you cannot unsee
- ✓Links straight to the compound lab
Goals that grow, month by month.
That trip, your emergency fund, a debt-free envelope, an investment pot, you name it. Each one fills visibly, month by month, and Ceeduki celebrates when you push past a monthly target, like a friend who is genuinely proud of you.
- ✓Trips, emergency fund, envelopes and pots
- ✓A debt-free envelope that cuts interest, not just balance
- ✓A goal is a savings account, no parallel truths
One number, built from your reality.
Four pillars, one honest score: savings rate, emergency fund, debt load, and investing. No generic advice, every insight uses your real figures and points to the single biggest lever.
- ✓Savings rate, emergency fund, debt, investing
- ✓A biggest-lever insight, always actionable
- ✓Tunes the literacy quiz to where you are
Start a fresh month without starting from scratch.
Real life is not a repeating template. December is not March. Ceeduki gives each month its own budget, pre-filled from your template so you only adjust the exceptions, and lets you flip back to compare any past month or year.
- ✓A real instance per month, not a static repeat
- ✓Pre-filled from your template, fully editable
- ✓Compare months and years side by side
Learn while you live it.
One question, twenty seconds. The goal is not to score, it is to grow. Every answer comes with an explanation rooted in your real situation, so the next decision is a little clearer. XP, streaks, topic mastery, and a score you can share with friends and family.
- ✓A two-minute question whenever you have a moment
- ✓Difficulty adapts to your health score
- ✓Educational only, never financial advice
The few moves worth making, ranked for you.
Ceeduki reads your own numbers and patterns, then surfaces what changed this week and the highest-impact moves, each with the money it saves you per year. Quiet most of the time, useful when it matters.
- ✓Ranked by real yearly benefit
- ✓Spots the unusual charge before you do
- ✓Built from your data, never generic advice
A whole toolkit, not a single trick.
Notification center
Bill reminders, large or duplicate charges, price hikes and goal milestones, all from what you enter, never your bank.
Coach inbox
A weekly review, a monthly recap, and warm coaching notes in the tone you choose.
Wealth labs
Compound, mortgage and debt labs that show the cost of waiting and the date you become debt-free.
Documents vault
Keep receipts, statements and policies tidy, attached to the right transaction when you need them.
Import and export
Bring in your Excel, PDF or backup, and export to CSV, PDF or JSON anytime. Your data is always yours.
EN / FR, multi-currency
Built in two languages, with several currencies handled natively and converted for you.
Edit fearlessly
Almost everything is reversible. Plan freely, change your mind, undo. Nothing here is scary.
Feedback built in
Tell us what to build or fix, right from inside the app. Founding members shape the roadmap.
Not a tracker. Not a bank.
All of these, in one.
Ceeduki is a budgeting app with a companion built in, the warm voice that adapts to whatever the moment needs.
Honest without being harsh. Has made the same mistakes.
Every observation has a why, not just a what.
Notices the leak three months before you do.
Knows the takeaway habit. Holds it without shame, helps when you are ready.
Celebrates loudly. Wins deserve fireworks, not a quiet notification.
Teaches by doing, in every feature. Never preaches.
Safe. Seen. In control. The feeling every screen is built to create.
Honest without being harsh. Has made the same mistakes.
Every observation has a why, not just a what.
Notices the leak three months before you do.
Knows the takeaway habit. Holds it without shame, helps when you are ready.
Celebrates loudly. Wins deserve fireworks.
Teaches by doing, in every feature. Never preaches.
People who saw it felt seen.
A different idea of a money app.
No names. Just the choices that make Ceeduki feel unlike the rest.
Generous to start. Fair when it grows.
Tracking your money is always free, that is the habit worth building. Premium adds depth, foresight and automation. Final plans are still being shaped, and founding members help decide them.
- ✓Transactions and full, uncapped budgeting
- ✓Unlimited accounts, dashboard and money flow
- ✓Goals, subscriptions, and the compound, mortgage and debt labs
- ✓The learn quiz, leaderboard and share
- ✓Six months of history across every view
- ✓Import and export, no lock-in
- ✓The smart assistant, answers over your own data
- ✓Smart allocation and automation rules
- ✓Full history and year-over-year, long-range forecast
- ✓Insights, anomaly feed and AI-built reports
- ✓Household mode and shared budgets
- ✓Proactive alerts and expanded storage
For years, a simple spreadsheet quietly changed everything. Just income, spending by category, what was left and where it went. Writing it down by hand created something a bank app never did: visibility, and with it, a sense of ownership and control.
Some months there was nothing left, and that was fine, because at least you knew. That clarity is what lets you adjust, catch a habit early, or pay down a card a little faster. We did not invent anything. We took a basic spreadsheet, added real financial literacy, and rebuilt it for the way people live now.
"It will not fix your finances overnight. It helps you see what you would rather not, and gives you the space to be in control. You decide. Always."
Questions, answered honestly.
A budgeting and planning app built on one belief: most money problems are visibility problems, not income problems. It helps you see clearly, plan intentionally and grow, one month at a time, with a companion built in to guide you. It is built for clarity and education, not financial advice.
No. Ceeduki is manual by design, and that is deliberate. Awareness comes from doing: entering your own numbers, seeing your own patterns, making your own decisions. It never asks for bank credentials, because it never connects to your bank.
It is a budgeting and planning app first. The companion is the warm layer on top: tips, a coach, celebrations and honest nudges that adapt to your situation. There is a smart assistant in Premium, but the core is a tool you drive, not a chatbot.
Joining the waitlist is where it starts: you get in first, help test Ceeduki, and shape it with your feedback. It costs nothing, no card, no commitment. The core of the app, tracking and budgeting your money, stays free at launch, while Premium adds depth, automation and the smart assistant. Exact plans are still being shaped, with founding members.
It is being built now. Ceeduki launches as a web app you reach from any browser, with a mobile-friendly version to follow. Waitlist members hear first and help shape what gets built.
Your email is only used to tell you when Ceeduki launches. Nothing else. Inside the app, your records stay yours, fully exportable, and any future caps would hide analysis depth, never delete your data.
Stop guessing.
Start seeing clearly.
Join the waitlist, be among the first to test Ceeduki, and help shape it with your feedback.