Shows your bank balance
Accurate and reliable — but card payments can take days to appear.
Free · 30 days of Premium included
Your bank shows a balance. Dispola shows what you actually have left.
Card transactions can take days to appear in your banking app. Dispola tells you what you actually have left — the moment you spend, without ever touching your bank.
Create your free account30 days of Premium included. No credit card required.No bank connection. Your data is never sold.
Your banking app says
340€
3 payments not yet displayed
Really available
212€
Bank balances lag. Dispola doesn't.
The problem
The balance you see isn't the balance you have.
Card payments don't post instantly. Depending on your bank, a purchase can take hours — even days — before it appears. In the meantime you keep spending against money you no longer have.
- 1Friday
You pay €48 at the restaurant
- 2Saturday
You still see the old balance
- 3Sunday
You spend again, confident
- 4Tuesday
The €48 finally appears
Result: a surprise, a declined card, or an overdraft.
How it works
Three seconds. One honest number.
01
Log a payment in 2 seconds
Right after you pay, tap the amount. No categories, no receipts, no setup.
02
See what you really have
Dispola subtracts what your bank hasn't shown yet. You see one clear number: what's actually available.
03
Decide with confidence
Restaurant? Fuel up? Weekend away? Now you know — before you tap your card.
Why Dispola
Your bank shows a balance. Dispola shows what you can really spend.
Dispola doesn't replace your bank. It completes what it can't show you right away.
Shows what you can really spend now
You add your expenses in seconds. Dispola always shows your real available money.
A calmer, more immediate view of your money.
Some people don't need this. Others gain real peace of mind from it.
The advantages
Why Dispola
Your real balance, instantly
After fixed charges and upcoming debits. One honest number, no mental maths.
No bank connection needed
Dispola never connects to your bank account and no banking credentials are requested or stored. Your data is hosted securely and encrypted.
One number to read
Just: how much can I really spend? No tables, no categories forced on you.
No data selling
The product is paid by its users, not by their data.
Logged in 2 seconds
A few taps after each payment. No spreadsheet, no setup marathon.
Your day with Dispola
Almost nothing to do.
Seconds per day, not minutes. No spreadsheets. No setup marathon. No bank connection.
- 01
You pay
With your phone or card, like always.
- 02
You log it in 2 seconds
Ultra-fast manual entry, right in Dispola. No account access, no notification reading, no sync.
- With Premium: photograph your receipt. Dispola extracts the date, amount, merchant and reason. Added in one tap.
- 03
You always know your real balance
Not the delayed one your bank shows.
- 04
You decide with confidence
Restaurant, fuel, groceries: yes or not yet.
You save time — and you stop being surprised by your own account.
Everyday moments
Made for real life, not spreadsheets.
Restaurant
Can I split this bill without stressing tomorrow?
Fuel
Full tank or half? Now you know for sure.
Groceries
Add that extra item — or leave it. A calm decision.
Weekend
Book it Friday, without a Tuesday surprise.
Daily coffee
Small things add up. See them before they hurt.
That unplanned gift
Yes or no, in one honest glance.
Why Dispola is different
Three commitments we won't break.
Privacy first
Dispola never connects to your bank account. No banking credentials are requested or stored. Your data is hosted securely and encrypted, and never sold or shared with third parties.
You stay in control
Dispola does not connect to your bank. No account access, no banking data stored, no notification reading. You log your own expenses — and that's exactly what keeps your privacy intact.
Your data is never sold.
A fair Premium subscription — never your data, never advertising, never a nudge to spend.
Your bank balance shows the past. Not what's coming.
A card payment can take anywhere from a few hours to several business days to appear on your account. Parking lots and tolls often send their transactions in batches, sometimes days later. A deferred debit card groups every purchase of the month into a single final withdrawal. It's nobody's fault: this is how the path between the merchant and your bank works.
And even when it's perfectly up to date, a balance is still a snapshot of the past: it doesn't subtract the rent due in 4 days, or the insurance in 9.
Dispola is not a bank. We don't process any payments, we don't replace yours — it does its job very well. Our role is different: we start from the assumption that you are someone reliable, who honors their commitments. So we deduct your upcoming charges with certainty, not as a hypothesis "if they go through" — as a given fact.
Your bank tells you what you have. Dispola tells you what you can spend: your real available money, with all upcoming withdrawals already deducted, until your next income.
Source: Article L133-13 of the French Monetary and Financial Code.
| Feature | Dispola | Banking apps | Classic budget apps |
|---|---|---|---|
| Shows your real available money right now | Yes | No | Partial |
| Needs your bank credentials | No | Yes | Partial |
| Log an expense in a few seconds | Yes | No | Partial |
| Setup in under a minute | Yes | No | Partial |
| Calm, judgment-free tone | Yes | — | Partial |
| No data selling | Yes | Partial | Partial |
Premium plans
Two ways to go Premium.
Pick what fits you — both cards are visible right here.
Free
The free version helps you know your real available money.
Premium
Premium automates repetitive tasks to give you time back.
Best value
Premium Annual
59,88 €
billed once a year (equivalent to €4.99/month)
You save 12,00 € per year
Single payment · renewed yearly, cancellable before renewal
The most affordable way to enjoy Dispola all year.
More freedom
Premium Monthly
5,99 €
/month
No commitment · cancel anytime
Full freedom to try, pause or leave.
Refund possible within 14 days of the annual payment.
- Secure payment (preparation)
- Your data is hosted securely and encrypted
- Your data is never sold
- Built to simplify your everyday life
What's next
A calm, focused roadmap.
Receipt scanner (Premium)
AvailableSnap a receipt: Dispola extracts the date, amount, merchant and reason. Added in one tap.
Smart end-of-day reminder
AvailableOne gentle nudge, only if you forgot. Turn it on in Settings.
Installable app (PWA)
AvailableAdd Dispola to your home screen on iPhone and Android.
Gentle spending insights
LaterPatterns, not judgments.
Why we're building this
An independent project. Built to solve a real problem.
Dispola is not owned by a bank, and not designed to keep you scrolling. We chose the hardest path: no bank connection, no bank credentials requested. Your data is hosted on our secure servers and is never sold.
— The Dispola team
FAQ
Straight answers.
Support Dispola
Do you like Dispola?
Dispola will remain free in its essential version.
If the app genuinely helps you in daily life and you want to support its development, you can contribute freely, with any amount you choose.
Every contribution helps improve the app, pay for servers, develop new features, and keep a free version accessible to as many people as possible.
You can also choose to decline and keep using the free essential version of Dispola. Whatever you choose, thank you for your trust.
Every contribution, even a small one, helps Dispola evolve while keeping a free version accessible to as many people as possible.
Available at launch