Household Economy Simulator
Macro transmission
Household Economy Simulator
Educational storytelling only, not a forecast. See how different economic environments affect household financials.
Step 1
Pick a household
Step 2
Apply a macro scenario
Customize assumptions
Step 3
Household impact
Compare households
Methodology
What this simulator measures
A directional estimate of how a macro scenario affects different household balance sheets and costs. It is not a literal net-worth estimate.
Core assumptions
Presets are rounded U.S. historical analogs since 2007, not forecasts or exact year-by-year replications.
Before vs. after inflation
Before-inflation mode shows nominal changes. After-inflation mode shows purchasing-power changes, including fixed-rate debt erosion.
Data sources
Public-data anchors: Fed Z.1, Fed Distributional Financial Accounts, Fed Survey of Consumer Finances, BLS CPI, BEA PCE Price Index, FHFA House Price Index, Freddie Mac PMMS, FRED mortgage rates, FRED unemployment rate, FRED S&P 500, S&P 500 annual total-return tables, FRED 10-year Treasury yield, Atlanta Fed Wage Growth Tracker, and Federal Reserve open-market operations / FOMC policy materials.
Limitations
No live data
No live data is pulled. Presets are rounded U.S. historical analogs since 2007 and not forecasts.
Household examples
Profiles are illustrative only and may not reflect any specific household, location, tax situation, debt terms, or portfolio.
Educational use only
This tool is for educational purposes only. It is not financial, investment, tax, legal, or personal-finance advice, and should not be relied on to predict actual outcomes.
