We're building W2 simplicity for 1099 earners.

Our mission

When you work a W2 job, your employer withholds taxes, deposits into your savings, and contributes to your retirement before you ever see your paycheck. When you're 1099, none of that happens. You see the full deposit — and the full responsibility lands on you. The result: 1099 earners face surprise tax bills, overspend what isn't really theirs, and put off building savings because they don't know what's safe to set aside.

Disco changes that. Every time you get paid, Disco detects the deposit, recommends a personalized split based on your state and income, and shows you exactly how much is yours to spend, owed in taxes, and ready to save. No spreadsheets. No guessing. No surprises.

What we believe

• Income should feel manageable, not stressful. Knowing what's safe to spend is a basic financial right, not a premium feature.
• Tax surprises are preventable. With the right tools, no 1099 earner should ever face a bill they didn't see coming.
• Privacy and security are non-negotiable. Your bank credentials never touch our servers. We connect via Plaid, with read-only access only.

Who we serve

Disco is built for anyone whose income arrives as a 1099 deposit: rideshare drivers (Uber, Lyft), delivery workers (DoorDash, Instacart, Grubhub, Uber Eats), freelancers (designers, writers, developers, consultants), and independent service providers (stylists, tutors, handymen, contractors). If you file a Schedule C, Disco was built for you.

The company

Disco is built by Disco Financial Distribution, Inc. We're an independent company focused on financial tools for the independent workforce. Disco is currently available on iPhone via the App Store, with Android on the roadmap.

Have questions, feedback, or partnership ideas? Reach us at support@getdisco.io.