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The redistribution through interest visualised

Distribution of capital:

Group 12345678910
in % per group0000.10.424.27.819.965.6
in k € / househ.

Distribution of household incomes:

group 12345678910
in % per group34.75.96.97.99.410.612.314.524.9
from interest*0000.10.52.34.88.922.790.4
other income
in k € / housh.121924283238435059101

Distribution of the annual savings:

group 12345678910
in % je group000.72.558.210.712.522.138.3
in k € / househ.

Distribution of household expenses:

group 12345678910
in % je group3.35.26.57.48.29.510.612.313.623.3
in k € / househ.121923.726.929.834.438.344.549.384.2
interest burden included*4.26.68.29.410.41213.315.517.229.3

Redistribution through interest:

group 12345678910
interest burden (k € / hh.)4.26.68.29.410.41213.315.517.229.3
interest (k € / hh.)0000.10.52.34.88.922.790.4
interest balance (k € / hh.)-4.2-6.6-8.2-9.3-9.9-9.7-8.5-6.65.561.1

Settings:

“ordinary” interest rate: %   interest rate “rich”: %
Interest component: % determine automatically
show group sums:   households per group (in mill.):
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Graph

The ten household groups each consist of 3.8 million households and are arranged according to their capital. The total capital thus is 11389 billion €.

Sum over the balance row (should be close to 0): 3.6 - This much profit (if positive) ten average households (one from each group) make from the interest system (probably at the expense of corporations, the state, or foreign countries) - together 13.79 billion €.

Your web browser is too old! With version 9 (early 2011?) even the Internet Explorer can finally do what other browsers like Firefox, Opera,or Safari can already do it for years: display SVG.
Capital distribution

All num­bers used in the cal­cu­la­tions can be modi­fied through the input fields! The pre­set num­bers are from Hel­mut Creutz’ ar­ti­cle Wie groß ist die Umverteilung durch den Zins? (“How big is the re­dis­tri­bu­tion caused by in­ter­est?”) in Fair­con­o­my no 3/ 2010, and rep­re­sent the si­t­u­a­tion in Ger­many. The gen­er­al table lay­out is also derived from the ta­bles in the ar­ti­cle, but I used a dif­fer­ent model for my graph, a sim­u­la­tion by busi­ness math­e­mati­cian Prof. Dr. Jür­gen Kre­mer.

The pre­set val­ues for the cap­i­tal dis­tri­bu­tion are sim­i­lar to what the Bun­des­zen­­tra­le für Po­li­ti­sche Bil­­dung (Fed­er­al Cen­ter for Po­lit­i­cal Ed­u­ca­tion) pub­lished in 2009 (see graph on the right).

*Interest is calculated as capital times interest rate, the interest burden as expenses times interest component. The expenses are calculated as income minus savings.

The source codes of this page and the SVG graph can be accessed and reused.

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