A personal plan to grow and protect your capital
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.
Open my plan
10 minutes, no sign-up. Results right on screen.
Prefer Telegram? Take it via the bot
Mai, MIX Plan assistantGives you first recommendations on your plan; a financial advisor from the MIX-Capital network joins for the personal review
What you get
A plan in numbers, not generic advice. Save it as a PDF, come back to it by link and recalculate it next quarter.
A number, not a feelingHow much to set aside each month for your golden years and other goals, and what delay will cost you.
Risks to your capitalOne country and currency, a thin safety cushion, a family without cover. Each risk explained in plain words.
Three baskets for your profileHow to split your capital and monthly savings between protection, income and growth.
An advisor, a plan and tips between meetings
The checkup is only the start. Then you keep your budget and portfolio in one place, and your advisor sees when it’s time to meet.
A real advisor
Reviews your plan, picks instruments and looks after your capital for years. Not a bot or a call centre.
Budget and portfolio
Log spending in one phrase or by voice; all brokers and banks on one page. Free for you.
Tips from Mai
Mai is your advisor’s AI assistant. It spots what matters in your numbers and reminds you in time.
MaiYour cushion is down to 2 months of expenses. Topping it up to 6 is the first step of the plan.
Discuss with your advisorHow it works
Three steps. The first takes 10 minutes and commits you to nothing.
- CheckupAnswer questions about goals, capital, income and protection. The plan opens right away.10 minutes
- Review with an advisorYour advisor goes through the plan with you and suggests concrete steps and instruments.if you want
- Ongoing supportBudget, portfolio and a repeat checkup every quarter: you see what has changed.every quarter
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 MIX 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.
Who is Mai?
Mai is the MIX Plan AI assistant. It reads your finished plan and writes a short review in plain language: what matters most in the numbers, where the weak spot is, and three first steps. It works only with your plan’s numbers 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.
Find out where your capital is vulnerable before it becomes a problem
For information only; this is not personal investment advice.
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Your plan is ready
In the full plan
- How much to save each month and how to split it across three baskets for your risk profile
- A breakdown of each risk and what to do in the next 90 days
- Three scenarios, the assumptions behind the numbers and a “what if markets are worse” check
- A PDF and a link to come back in a quarter and compare
Open your full plan
To do that, leave a contact: we’ll send a copy of the plan to Telegram or WhatsApp so you can come back to it any time.
Who sees your answers and what happens next
- Only you and your advisor see your answers. We never sell or share your data.
- We never ask for passports, account numbers or passwords: the plan only has the amounts you entered.
- The bot sends you a link to the plan and a PDF. Your advisor may message you once to offer a review — whether to reply is up to you.
- Want your data deleted? Message the bot or your advisor and we’ll delete it.
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
Draft: the bot isn’t connected here, so the plan opens without confirmation. On the live site the plan opens only after “Start” in the bot.
Wealth protection
countries, accounts, currency Mai: your plan review
based on your plan’s numbersWritten by Mai, the MIX Plan AI assistant, from your plan’s numbers. This is not investment advice.
Your personal account
MIX PlanYour plan, budget and portfolio in one place. Save the link to come back from any device. It signs you in without a password, so don’t share it.
Resilience index
Risks to your capital
Capital structure
where your money isWhere you’re heading
three scenariosThe selected scenario drives the calculation. The others show how the contribution changes if you lower or raise the amount.
Goals and what they cost
per monthCapital growth
base version
On plan
With your current free cash
Goal
Your risk profile
What your capacity for risk is made of:
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
Stress test
what if things go worseThe numbers above use average assumptions. Markets and inflation can be worse, so here is how much you would need to save for your golden years then.
Assumptions
Capital grows at the return of the income and active baskets in your profile’s proportions. Monthly contributions: 30% to the regular basket, the rest to the income and active baskets 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.