My phone is disabled how do I fix it

You will need to restore it using a computer. The process will erase the device. Later you can restore your data using a recent back-up. Instructions here...

If you forgot the passcode on your iPhone, or your iPhone is disabled - Apple Support

Click here: If you forgot the passcode on your iPhone, or your iPhone is disabled - Apple Support

Yes, you will need a Mac or a Windows computer, or somebody that you trust with one, or a trip to the local Apple Genius Bar or to an Apple service provider or similar.