Restaurant
Can I split this bill without stressing tomorrow?
Pre-launch · Join the waitlist
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, on your device, without ever touching your bank.
Join the waitlistNo bank connection. No ads. Your data stays on your device.
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.
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
Dispola catches it in seconds
Today: log the expense manually in 2 seconds. That's it.
- Coming soonPay with Apple Pay or Google Pay — Dispola invites you to confirm the expense on the spot. Nothing to remember.
- Coming soonScan your receipt with your camera — at the store, or all your receipts at once at the end of the day. Dispola reads the amount, date and time automatically. One scan, done.
- 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.
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
Four commitments we won't break.
Privacy first
No bank connection. No credentials. Your financial data never leaves your device. Nothing to hack. Nothing to sell.
Coming soon
Instant capture at payment
When you pay with your phone (Apple Pay / Google Pay), Dispola invites you to log the expense in 2 seconds — on the spot. Dispola reacts to the payment moment, never to your bank data.
Readable in full sunlight
Strong contrast, large type, designed for the gas station and the checkout line — not just for screenshots.
No ads. Ever.
A small, fair subscription later — never your data, never advertising, never a nudge to spend.
| Feature | Dispola | Banking apps | Classic budget apps |
|---|---|---|---|
| Shows your real available money right now | Yes | No | Partial |
| Needs your bank credentials | No | Yes | Partial |
| Usable offline for quick entry | Yes | No | Partial |
| Setup in under a minute | Yes | No | Partial |
| Calm, judgment-free tone | Yes | — | Partial |
| No ads, no data selling | Yes | Partial | Partial |
Pricing
Simple and honest.
Planned pricing — final details at launch.
Free
0 €
The core promise: know your real available money.
- Quick 2-second expense entry
- Essential categories
- Recent history
- No ads, ever. No bank connection, ever.
Most useful
Premium
€4.99
/ month
≈ €0.16 per day
Less than one coffee a month.
Everything in Free, plus:
- Unlimited categories and full history
- Wallet assistant: capture at payment (Apple Pay / Google Pay)Coming soon
- Receipt scanner (amount, date and time read automatically)Coming soon
- Gentle spending insightsComing soon
Even as a subscriber, your financial data stays on your device. Your subscription pays for the product — not your data.
Join the waitlistNo payment today. Joining the waitlist is free and commits you to nothing.
What's next
A calm, focused roadmap.
Instant capture at payment
NextWallet-triggered logging in 2 seconds.
Receipt scanner
PlannedSnap a receipt, done. Nothing sent to a server.
Smart end-of-day reminder
PlannedOne gentle nudge, only if you forgot.
Full offline mode (PWA)
PlannedWorks everywhere, even on the plane.
Gentle spending insights
LaterPatterns, not judgments.
Why we're building this
An independent project. Built to solve a real problem.
Dispola is not funded by ads, not owned by a bank, and not designed to keep you scrolling. It exists because a delayed balance shouldn't cost you your peace of mind. We chose the hardest path — no bank connection — so your data stays yours. Forever.
— The Dispola team
FAQ
Straight answers.
Waitlist
Be first to know your real balance.
Join early adopters shaping Dispola. No spam. One update when we launch.