Dispono - Forecast Financials

Map your income, budget and investments into one forward-looking plan. See your cashflow years ahead, turn the numbers into Insights, and stress-test with Scenarios.

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.

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