We introduce the CMC based Ionic Surfactant Activity model (CISA) to calculate activity coefficients in ternary aqueous solutions of an ionic surfactant and an inorganic salt. The surfactant can be either anionic or cationic and in the present development, the surfactant and inorganic salts share a common counterion. CISA incorporates micellization into the Pitzer–Debye–Hückel (PDH) framework for activities of mixed electrolyte solutions. To reduce computing requirements, a parametrization of the critical micelle concentration (CMC) is used to estimate the degree of micellization instead of explicit equilibrium calculations. For both binary and ternary systems, CISA only requires binary experimentally-based parameters to describe water–ion interactions and temperature–composition dependency of the CMC. The CISA model is intended in particular for atmospheric applications, where higher-order solution interaction parameters are typically not constrained by experiments and the description must be reliable across a wide range of compositions. We evaluate the model against experimental activity data for binary aqueous solutions of ionic surfactants sodium octanoate and sodium decanoate, as common components of atmospheric aerosols, and sodium dodecylsulfate, the most commonly used model compound for atmospheric surfactants. Capabilities of the CISA model to describe ternary systems are tested for the water–sodium decanoate–sodium chloride system, a common surrogate for marine background cloud condensation nuclei and to our knowledge the only atmospherically relevant system for which ternary activity data is available. For these systems, CISA is able to provide continuous predictions of activity coefficients both below and above CMC and in all cases gives an improved description of the water activity above the CMC, compared to the alternative model of Burchfield and Wolley [J. Phys. Chem., 88(10), 2149–2155 (1984)]. The water activity is a key parameter governing the formation and equilibrium growth of cloud droplets. The CISA model can be extended from the current form to include the effect of other inorganic salts with the existing database of binary PDH parameters and using appropriate mixing rules to account for ion specificity in the micellization process.