Dispono - Forecast Financials

Dispono is a forward-looking personal finance planner. Instead of tracking what you already spent, it projects where your money is going — month by month, years into the future — so you can make the decisions that actually move the needle. Everything is computed from what you enter: INCOME — Map every salary, side income and one-off inflow onto a single timeline. BUDGET — Track your cost of living and spending, marked essential or discretionary, so you always know what's left to invest. INVESTMENTS — Add accounts, ETFs, real estate, loans and mortgages, with up-to-date ETF prices. TARGET ALLOCATION — Set the asset mix you're aiming for and see how today compares. CASHFLOW — Project money in and out, month by month and year by year. INSIGHTS — Health checks that condense your plan into scored measures — wealth multiple, cash pool, liquidity, debt-to-income — each benchmarked, with suggestions for what to do next. SCENARIOS — Stress-test your plan against the what-ifs before they happen. What Dispono believes: • No products, no commissions. Dispono never sells financial products and earns nothing from what you choose. It's a planning tool, not a broker. • Forward-looking only. The past is over; Dispono works with assumptions about the future and accepts uncertainty. • Risk is managed, not avoided. Understand how much risk you can take — financially and emotionally — and take that much. • The big picture beats the details. Dispono clears out the noise and shows which decisions actually matter. Dispono is a planning and projection tool. It does not provide personalized investment advice, and does not connect to or move money in any real account. Sign in with Apple or Google to get started.