# The redistribution through interest visualised

## Distribution of capital:

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 €.

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.