AI Your plan review
based on your plan’s numbersWritten by AI from your plan’s numbers; not investment advice.
Wealth Plan +AI FinCheckup
Free service
A personal plan to grow and protect your wealth
Like a health checkup, but for your wealth: check early, not when it already hurts. Answer a few questions and see how much to save to live on passive income, where your capital is exposed and how to split it across three baskets.
Free, no payment or subscription. Your answers are saved on this device, so you can stop and come back.
1. GoalHow much passive income, and from what age
2. Starting pointIncome, expenses, assets by country and currency, protection
3. RouteHow much to save, risks and baskets for your profile
What you get
A number, not a feeling
How much to save each month to live on passive income by your chosen age and cover your other goals.
Risks to your capital
Currency, capital concentrated in one country, family protection, emergency fund, passing wealth to heirs.
Resilience index
A score from 0 to 10: can your plan survive a loss of income, a devaluation or unexpected expenses?
The cost of waiting
How much more you’d need to save if you start in three years instead of now.
Three baskets for your profile
How much to put into the regular basket each month, which part of your capital to put to work for income and which for growth — based not only on your appetite for risk but also on your capacity to take it.
Your plan, one link away
The plan link and PDF come to Telegram or your inbox, so you can return to the plan any time.
What the result looks like
Capital structure · example
Business stake ⚠ imbalance$310K 62%
Home you live in$140K 28%
Cash and deposits$30K 6%
Brokerage, funds$20K 4%
- 62% of capital sits in a single asset — the business stake.
- Only 10% of capital can be turned into cash quickly.
Resilience index and baskets · example
5,5of 10 · fragile balance
Every month: protection and savings, income now and capital growth — split to match your risk profile.
AI “The key point: your income lets you save, but almost all your capital is in the business. First step — a 6-month emergency fund…”
Why a checkup
Check early
We check our health before it hurts. Capital is the same: a small drift caught in time is easy to fix, while a neglected one compounds for years.
Unique as a fingerprint
No two plans are alike. Don’t copy what friends do: your plan is built on your income, goals, family and the countries where your money sits.
Once a quarter
After three months the bot will offer a repeat checkup with your previous answers and show what changed: capital, free cash, resilience index.
Who it’s for
Your capital sits in one country and currencyThe plan shows how exposed that is, how much money actually works for you and what to do about it.
You earn well, but the money just sitsYour free cash flow becomes a specific amount that should be working.
You have kids and goals with deadlinesEducation, a home, a move abroad: each goal becomes a monthly payment.
You want to stop depending on your jobThe main goal of the plan: income that comes in without your involvement.
How it works
What to have at handIncome and expenses for a typical month, account and brokerage balances, a rough share of capital held in one country and currency, and insurance policies if you have any.
- About you
- Passive income
- Other goals
- Capital
- Income and expenses
- Protection
- Risk profile
- Your plan
Results right on screen
FAQ
What is a financial checkup?
A quick check of your personal finances — like a health checkup, but for your wealth. You answer questions about income, expenses, assets and goals, and the service shows your resilience index, risk areas, how much to save for passive income and how to split your money across three baskets.
How much does Wealth Plan cost?
It’s free: no payment, no subscription, no card. The only paid option is a meeting with a financial advisor, if you decide to go through the plan in person.
How long does the checkup take?
About 10 minutes. Your answers are saved, so you can stop and come back. The finished plan stays with you as a link and a PDF — we’ll send it to Telegram or by email, whichever you prefer.
How are passive income and compound interest calculated?
The service converts your target income into the capital you’ll need by the chosen age, taking inflation and a safe withdrawal rate into account. Then it calculates how much to save each month to reach that amount with compound interest — and what a three-year delay would cost.
What are the three baskets: regular, income and growth?
Regular — monthly contributions for the long term plus family protection. Income — capital that pays you now: bonds, private credit. Growth — capital appreciation: stocks, crypto, pre-IPO. The split matches your risk profile, which reflects not only your willingness to take risk but also your capacity to bear it.
What does AI do in Wealth Plan?
AI reads your finished plan and writes a short review in plain language: what stands out in the numbers, the weakest spot and three first steps. It works only with the numbers in your plan and doesn’t replace a financial advisor.
Which currencies can I use?
US dollars, euros, rubles, lira, tenge, yuan, pounds and eight more. You enter amounts in your currency; the math runs in US dollars at today’s rate so inflation and devaluation don’t distort your goals.
Who sees my answers?
Only the financial advisor whose link you came from, or the MIX-Capital team. We never ask for passport details, account numbers or passwords.
How often should I do a financial checkup?
Once a quarter. After three months the bot will offer a repeat checkup with your previous answers and show what changed: capital, free cash, emergency fund, resilience index.
Is this investment advice?
No. The calculation is for information only and helps you see the full picture. Specific instruments and next steps are best discussed with a financial advisor.
More tools
Budget tracking
Type or say your expenses — the service sorts them into categories and totals the month.
Investment portfolio
All your brokerage and bank accounts in one place: value, contributions, return and trend.
Calculators
Mortgage, personal loan and compound interest: payment, overpayment and capital growth.
For information only; this is not personal investment advice.
Are you a financial advisor? Sign in to the dashboard · Join the network
Your plan is ready
The plan will open right here. Where should we send a copy — the link and PDF — so you can return to it any time? Only your advisor sees your answers.
Get the plan in Telegram
or by email
Waiting for confirmation in Telegram
Open the bot and tap “Start”. The plan will open on this page automatically.
Telegram didn’t open? Open the bot again
Resilience index
Risks to your capital
Capital structure
where your money isWhere you’re heading
three versionsThe base version drives the calculation. The other two show the cost of a more modest and a bolder scenario.
Goals and what they cost
per monthCapital growth
base version
On plan
With your current free cash
Goal
Your risk profile
Your strategy
Above is the diagnosis: where you are and how much you need to save. Here is the prescription: where exactly, in what amounts and in what order.
Personal capital review with an advisor
Assumptions
Capital grows at the returns of the income and growth baskets in your profile’s proportion. Monthly contributions: up to 40% to the regular basket, the rest to income and growth in the same proportion. Conservative assumptions, not a forecast.
For information only; this is not personal investment advice. Returns are scenario assumptions; past performance does not guarantee future results.