Personal finance is a solved problem. Executing it is the hard part.
Dispono is no-nonsense planning and guidance for your money: budget, cashflow, investments and risk in one forward-looking plan — with nobody earning a commission on your decisions.
Questions Dispono answers
- How much do I need to retire?
- Can I afford a new car?
- What should I invest in?
- Should I rent or buy?
- How much liquidity do I need if stock markets go down?
Plus independent reviews and recommendations on how to optimise your investments.
A look inside
How to use Dispono
- 1
Sign in and set up your profile
Sign in with Google, pick your currency and enter your birth date - projections run from your age to your life expectancy.
- 2
Add your income and budget
Enter salaries, side income and one-off inflows on the Income page, then your monthly costs on the Budget page - marked essential or discretionary. That's the engine room: everything else is computed from it.
- 3
Enter your investments and debts
Add accounts, ETFs, real estate, loans and mortgages on the Investments page, and set the asset mix you're aiming for under Target Allocation.
- 4
Read your Cashflow and Insights
Cashflow projects money in and out, month by month and year by year. Insights condenses it into health measures - wealth multiple, cash pool, liquidity, debt-to-income - each scored against a benchmark.
- 5
Stress-test before life does
Scenarios shows what a market crash, a job loss or a big purchase would do to your plan - so you can size your risks before you take them.
What makes Dispono different
No products, no commissions
Nobody here earns a cut when you trade. Block out the sales stories of advisors who push products for commission, banks that nudge you to trade, and gurus promising to get rich quick. Real wealth rarely comes overnight.
Forward-looking only
Dispono doesn't show how your investments or markets performed in the past. The past is over - you can only make decisions that shape the future, and past performance doesn't predict it. Dispono works with assumptions and accepts uncertainty. So should you.
Risk is managed, not avoided
Actively managing risk is the key to investing: understand how much you can stomach - financially and emotionally - and take that much. Taking no risk is just as costly as taking too much.
The big picture beats the details
Is your daily coffee harming your finances, or is it the large home exceeding a reasonable budget? Dispono clears out irrelevant details and shows which decisions actually matter.
Everything in one place
Income
Map every salary, side income and one-off inflow onto a single timeline.
Budget
Track cost of living and spending so you always know what's left to invest.
Target allocation
Set the asset mix you're aiming for and see how today compares.
Investments
Keep tabs on your ETFs and holdings with up-to-date prices.
Cashflow
Project money in and out, month by month, years into the future.
Insights
Health checks and suggestions that turn your numbers into next steps.
Scenarios
Stress-test your plan against the what-ifs before they happen.
Figures shown are illustrative estimates, not guarantees. Not financial, legal or tax advice — discuss results with a licensed financial advisor and act at your own risk. Read the full disclaimer · Privacy notice.